BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-13
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had disputed a XXXX XXXX account, that WAS NOT MY DEBT beginning in XX/XX/XXXX direct with XXXX, XXXX & XXXX. In addition to that, I mailed a debt validation letter direct to XXXX XXXX in XX/XX/XXXXas well. In XX/XX/XXXX I received a letter from Weltman, Weinberg & Reid., LPA . I continued to dispute this account with the credit bureaus. I also continued to send debt validation letters to XXXX XXXX, as they could not provide the documentation that I was requesting from them. This account was removed from all three credit bureaus. Confirmed & in writing, deleted. It was deleted bc they couldnt validate the debt to FCRA standards. This attorney is now claiming theyve made several attempts to contact me in a letter dated XX/XX/XXXX, which is false & a bogus claim. Had I of received anything, I wouldve been in touch immediately. Point in case the letter I received XX/XX/XXXX, I sent a detailed email to them on XX/XX/XXXX. Again on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & again today on XX/XX/XXXX. I have NOT received a response from them. Pretty unbelievable seeing their claiming I didnt respond to letters I never even received & theyre the ones who arent responding. My credit and finances are very important to me and this attorneys office is making false claims. I would like to request the said documentation they claim to have mailed. I am demanding that this company cease trying to collect a debt that was not mine & that was legally removed for this very reason. I am baffled & alarmed @ their false claims & their failure to respond to an email sent 7 times!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX  just called me and said their 3rd party to this so info is incorrect and should be deleted thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We agreed to pay up to {$150.00} a month for TV and internet services for 2 years. I also let them know that we were on an fixed income and could only pay so much a month and they said that they could and would keep the bill under a {$150.00} a month. But every month after XXXX XXXX XXXX took over XXXX XXXX XXXX had to call to let them know that that was not our agreement. So after so many months of trying to them to fix the problem my husband and I went elsewhere for services. Now XXXX XXXX XXXX & XXXX XXXX say we broke the agreement I didn't they did.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The accounts do not reflect their accurate status..Derogatory accusations must be Metro 2 Compliant to retain or report so delete any not physically with proof of permissible purpose from the exactly and legally identified me..I do not authorize you or anyone to report not proven compliant information and you must comply. 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 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 2 police reports from a couple of years ago, after my car and house was broken into, id stolen, etc. Now that my identity has been compromised I'm now finding myself fighting to obtain my life back including my credit worthiness. I've requested that the credit reporting agencies only report what they physically verify as opposed to any electronic Verification that by common law / consumer law can not be used and verified as proof. I'm demanding that these accounts be blocked from my credit files. 

1 ) XXXX XXXX XXXX {$680.00} 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX {$130.00} 4 ) XXXX XXXX XXXX {$350.00} XXXX ) Account Resolution {$71.00} XXXX ) XXXX XXXX XXXX {$140.00} 7 ) XXXX  XXXX {$30.00} 8 ) XXXX XXXX XXXX XXXX {$3800.00} 9 ) 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 2017-12-20
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I submitted disputes to Equifax - XXXX XXXX and XXXX - Neither times did I receive any results except for the standard letters that say its valid and verified. That is not what I had requested be sent to me - I asked for verifiable proof that the accounts I am disputed were 100 % legitimately my accounts and to send proof that they were or delete them immediately from the reports I have filed the disputes with. Not one time was this done and I was it to be fixed immediately as it is hurting my credit report. As a consumer it is my right to fix in-correct items on my credit file. As an agency it is their job to fulfill my request as stated!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I was scammed by a company pretending to be a music marketing company ( XXXX page linked to a fake website ( which is now turned off in addition to the contact number ). 

When I discovered the company was not real, I attempted to reach out to the email address and phone numbers I had for the company - with no responses ever being received. I, then, obtained an attorney to send a Demand letter to the company via the contact methods that were listed. Again, no response AND the XXXX XXXX XXXX informed the address the company was using as their was not and NEVER has been affiliated with the company or the person listed as the CEO and was not an entertainment company at all. 

I then contacted XXXX regarding how to initiate the refund/pull back from the transactions, who informed me that would need to be initiated by my financial institutions because the contact number listed for the XXXX account was no longer in service for the merchant. XXXX informed me to contact my financial institutions because they could reverse the transactions via a dispute for the charges. 

When I contacted PNC and XXXXXXXX XXXX  both have refused to reverse the transactions, even with the supporting documentation from the lawyer where it was determined the company was a scam/ponzi scheme. However, PNC approved and refunded the payments that were made from my credit card that were also involved in the scam and paid thru XXXX ( unsure how one account can approve the scam transactions, and the other account with the same financial institution are declined ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: ENCORE CAPITAL GROUP INC.
State: MT
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 paid off my XXXX  credit card through a debt collector, which was Midland LLC. I have tried speaking with both companies and neither of them said they could help me resolve the report on my credit report on XXXX  stating that I'm still paying on it. Which it should be closed, not open anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09
Company: EQUIFAX, INC.
State: AL
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 has refused by phone to investigate the unauthorized hard inquiries. The two from XX/XX/XXXX were removed but has re-appeared. 

XXXX XXXX XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX. ( Auto Finance ) XXXX XXXX XXXX / Inquiry Date : XX/XX/XXXX. ( Auto Dealer ) XXXX XXXX XXXX XXXX /Inquiry Date : XX/XX/XXXX ( Bank Credit Cards ) XXXX XXXX Inquiry Date : XX/XX/XXXX. ( Bank Credit Cards ) I have not made Credit Applications or authorized inquiries to any of these companies. I ask for Equifax to do the honorable thing and remove these from my credit report. Thank you. XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I've reached out to this collection agency on multiple occasions, regarding invalidated negative items that have been posted to my credit reports, with all 3 credit bureaus ( XXXX, XXXX, and XXXX ). One of the items have since been removed, however, this one remains and it seems that it's being reported without valid proof of the debt. This leads me to believe that this company is operating under the guise of a collection agency, but instead, are actual charlatans. 

My last written communication to them was forwarded on XX/XX/XXXX, and it was received by their agency on XX/XX/XXXX. I sent a letter requesting validation of the debt they're pursuing me for, in the amount of {$3300.00}. 

This agency has responded to me in writing, without verifying the majority of the information I requested, which includes why their agency is pursing me for a debt, in which they can't produce any documentation substantiating their claim, or the fact that I owe them {$3300.00}. 

Included with this complaint, is the following : a. My letter ( dated : XX/XX/XXXX ) sent to ProCollect, requesting validation of the questionable debt bXXXX USPS return receipt, confirming delivery of my letter c. 7 pgs sent to me by ProCollect, which include : 5 pg lease agreement ; 1 pg bill summary ( move out statement ), with a XXXX ( {$0.00} ) balance ; and a ProCollect bill, with an amount due of {$3300.00}, without supporting documentation.

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 2022-12-04
Company: Genesis FS Card Services, Inc.
State: PA
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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 contacted company on numerous occassions from the months of XX/XX/XXXX until XX/XX/XXXX in regards to removing unauithorized inquires from my report. However their customer service would not help and take care of the negative inquiries reporting to my credit report. I recieved no help even though I was informed they were going to be removed within 10 days. 


Capital one XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX Capital One auto finance- XX/XX/XXXX-XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I spoke with the dealership about submitting several credit inquiries while only agreeing to XXXX. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX IN XXXX on XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX  Michigan XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN 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 2022-12-04
Company: EQUIFAX, INC.
State: MS
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency c, Pt furnish a account without my written I instructions. 15 USC 16668 : A creditor may not treat a payment on a credit card account unde ... 1 open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency c, Pt furnish a account without my written I instructions. 15 USC 16668 : A creditor may not treat a payment on a credit card account unde ... 1 open end consumer credit plan as late for purpose.

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 2023-08-30
Company: Lendmark Financial Services
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
From the day I got this account I told the employees that they can not call me at work. I have repeated that every time theyve verified my information such as during refinancing the loan. XXXX still getting calls at my workplace-this interferes with my job and could cost me my job!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
They never sent many any notices in the mail or made any phone calls nor did they email me anything about closing my account and all of a sudden they just shut it down and didnt tell me why and now I might night be able to pay my bills or make it home because Im About out of gas!

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 2019-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I reached out to Transunion, they deleted the accounts but then one account reported back on my file. I had four credit cards that were result of identity theft

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 2019-11-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo is a horrible bank they mailed paperwork that was compromised via the USPS machine reader so when I got the somewhat requested documents which did not cover all accounts to include closed and linked accounts to the closed accounts. The requested paperwork was accessible to all. The envelope was torn wide open and USPS had to place the papers in a bag and put it into my PO BOX . That was ridiculous, unprofessional and made my private business available for all to see. I am not even sure that what was requested is all there. I have uploaded a picture to how I received my supposed to be private banking information and request that all years for XXXX and XXXX be sent to me and in respect to my privacy and sent to USPS properly which would not allow this to thick of a package to be sent through the USPS reader machine ripping the envelope wide open for all to see. The requested documentation should be sorted out organized by year XXXX and XXXX and envelopes should be sealed displaying not broken closings. I can not ensure that all pages are here and hope my proprietary information was not enclosed such as Social Security Number, Date of Birth, etc.

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 2019-06-16
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 National credit adju ( XXXX ) filed on my credit I owe {$1200.00} I do not. I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
paypal keeps giving the run arounds on something Order # XXXX Cancelout around XX/XX/2019 with XXXX XXXX for website Guarantee 10 people sign-ups.Instead he sent me boogus traffic of XXXX hits and no sign-ups on opt link.so i told paypal to cancel and XXXXBut Paypal close my dispute refuse to get my money because i didnot open or say excalate, but i did paypal refuse my claim.Plus payal and allow this company and capitalone debit my account $ XXXX.WebCraftde and there email : XXXX XXXX is XXXX my Mastercard last 4digits # XXXX .So far i been charge $ XXXX.and paypal did transaction REFUSED me for Refund.The name shows up on paypal is Whamsoft paypal gave me Refund of $ XXXX.on XX/XX/2019 But paypal charge me for samething XX/XX/2019 saying automatic payment..Why is it paypal, XXXX, all refuse to give refunds but the Victims all got to spend so much time an we dont get anymore money back.I think for this issue against paypal i should get $ XXXXRefunded backfor bull XXXX and my next complaint be on anouther item paypal Refuse to to give refund got charge twice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-14
Company: ENCORE CAPITAL GROUP 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The company I am reporting is XXXX XXXX for a debt in the amount of XXXX. I had paperwork to submit to Midland regarding a hardhsip appplication, due to me being out of work. I was told they couldnt communicate with me and contact the law firm at XXXX. After numerous of calls I finally got an answer from an secetary who inform me that Midland has to negotiate with consumers involving settlements and hardships. ( Of course Midland will tell you I didnt call the lawfirm as usual=-but I did ). Recently tried to resolve the collection with XXXX XXXX before and only have been giving the run around or no response. I sent a certified letter ( signature required to show proof it was received ) and I have gotten no response from this company. I trying to settle with this company to pay off the debt and have it removed from my report. However it seems like they are denying payment offers, but continue to report debt. I request that the issue be throughly investigated and documents sent to address on file for hardship. 

If the matter can not be acknowledge and no payment is being accepted, please remove the collection from report immediately. 

Attached is a copy of the letter sent to Midland, and a copy of the last letter I have received from Midland showing proof that they are owners of the account and to conact them with issues ( But No response ).

Company response to consumer: Closed with explanation