BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-12
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Monthly report/ Inaccurate, derogatory remarks still being reported on credit reports monthly. Hard inquire heav impact to credit. {$9600.00} account was opened XX/XX/XXXX closed out XX/XX/XXXX. Car was repo in XX/XX/XXXX after a {$1000.00} was made to bring account current and cancellation off repossession fees. Payment arrangements were in process three days after making {$1000.00} on XX/XX/XXXX car was repossessed and car wasnt released to me. On XX/XX/XXXX was told account was closed car had been sold and charged off will appear on credit. Yet lender still wonted me to pay {$3000.00} for seven months of car payment and additional {$2000.00} for storage repossession fee costs. Request several times by phone and hand written to see paperwork. When the car was sold and after paying to stop repo and bring account current was my car still repossessed. Lender told me that they didnt have to release or inform of the car being sold nor guaranteed to stop the repossession after payment was made. Its been 6years 11mos disrupted with credit bureaus yet nothing has been done. WESTLAKE is still able to report remarks as charge off each month. HAVING A HARD IMPACT TO ME TRYING TO REBUILD MY CREDIT AND APPLY FOR CREDIT. HEAVY REMARKS. Yet only show 4 installments payments being made out 43 months term. Within a year as stating account was first delinquent in XX/XX/XXXX. I was notified of DATA BREACH and some or all personal information may have been compromised. Nothing was done about it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: EQUIFAX, 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 status incorrect

Complaint:
Starting in XXXX my mortgage was put on the CARES act forbearance due to financial struggles. My credit score dropped by 50 points because of this. The CARES act provides protections against negative impacts on credit scores due to forbearance. I have contacted my mortgage company multiple times regarding this issue and it still has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Here below are the references for the transaction I made on the XXXX website on XX/XX/2020 Order # XXXX Purchased from XXXX  on XX/XX/2020 {$410.00} 100 % XXXX  XXXX XXXX XXXX XXXX  Transaction # XXXX Quantity : 1 The seller sent me a tracking number of the sending with XXXX that was a fake one. I never received the item as you can see in my review of the transaction with that seller. 
Your Review Very disappointing. This seller is a scammer. Please, for your good, keep the name and, and especially the picture of this watch in mind because you may see it under a different seller 's name. This is how that scammer operates : he will reassure and send you a " real fake '' XXXX tracking number after receiving the payment. And after, when you check the status of the sending, you will read that the item was delivered and he will no longer answer your messages. 

I then filled a complaint with XXXX. They told me that the complaint should be filled with Paypal because the payment was received by them. 
I filled my complaint with Paypal and in response, they told me that they are closing my case because the seller had provided a tracking number showing that the item was delivered and if I want, I can submit a complaint with my financial institution XXXX XXXX XXXX XXXX, what I did. 
In response, XXXX XXXX told me that they not examining my case because it has been closed by PayPal. 
I decided to submit the tracking number to XXXX asking to confirm whether the related item has been delivered and if not, to let me know if the item was still in their facilities. In response, XXXX told me that the submitted tracking number has nothing to do with me and they were well aware of this kind of scam. 
I forwarded XXXX 's response to both Paypal and XXXX XXXX and they are still ignoring me. 
Many thanks in advance to examine my case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion has a problem with supplying me with my credit report and In fact I havent been able to see it in years..my credit has taken blows due to results of not being able to monitor it in years due to inaccurate information on their end but they told me everything was good and had me asking other companies like XXXX XXXX and XXXX XXXX and others to fix the issue when they had 2 names on my file etc with them.

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 2018-01-31
Company: HCFS Healthcare Financial Services of TeamHealth
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 received an alert response and I dont agree with this debt because I am unaware of this debt like I told you in the last letter if you continue to force a debt on me that wouldnt be the best solution for you and your company and I will take legal actions immediately. This isnt a threat. You have used my consent without my validation, and you mentioned my demographic as if it has something to do with my personal information. I am a victim of identity theft and because of the recent breach by XXXX I believe that I was greatly affected by it. If you continue to list an unknown debt on my credit looking to collect I will make sure that I contact the attorney generals office in XXXX XXXX and file a lawsuit against your company for violating my rights and this isnt a threat or a warning. I wont be answering to any messages as I will forward all recorded calls, emails, certified letters and more evidence to prove that Im innocent in a court room. It wont be a surprise when you receive any documents from The XXXX XXXX County Courthouse. Please feel free to contact my lawyer from this point on.

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 2022-02-02
Company: Receivables Performance Management, LLC
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:
**THIS IS NOT A DUPLICATE COMPLAINT** On XX/XX/XXXX, I consumer XXXX XXXX , sent Receivable Performance Management a cease & desist letter to stop the infringement upon my intellectual property rights. This letter was sent via certified mail with tracking number XXXX. RPM received an alleged debt from XXXX and have been harassing me for payment. I did not consent to XXXX contacting a third party debt collector. I also do not have a contractual agreement with RPM. I previously asked for a debt validation letter on XX/XX/XXXX and they have failed to provide me with sufficient information to be able to validate this debt. RPM received a debt validation letter on XX/XX/XXXX so I could validate this alleged debt. RPM have failed to respond to my request for a debt validation on two separate occasions. This is willfully and negligently noncompliant with the federal law, 15 USC 1692g. RPM must zero the balance and close this account with their office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Experian Information Solutions Inc.
State: NJ
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 spoken with several different employees at Experian explaining that the iquries that are on this identity theft report are a result of someone stealing my identity and I have no clue how they got my information. I have been included in several companies where information has been breeched but until now I am just noticing things that were on my 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 explanation
Consumer complaint received 2021-07-14
Company: SYNCHRONY FINANCIAL
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal is trying to charge me XXXX, but I never in my life have used there service 's, starting in late 2017. They started contacting me trying to get my identity, and I wasn't going to give them my information because I never used them. There was no billing in the mail from Paypal and I just got a bill from a place called XXXX XXXX XXXX 's XXXX and They put it on my credit report, with no contact or billing sent.

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 2021-11-28
Company: EQUIFAX, 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:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed from all three credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: Commonwealth Financial Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I disputed the fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to XXXX and XXXX Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: Experian Information Solutions Inc.
State: MN
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: Problem with personal statement of dispute

Complaint:
My scores are whacked from all 3 bureau 's, photo included I have a higher score than what's shown These people are uneducated and are messing with people. How can I go from XXXX to XXXX in 1 day?,,

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 2019-01-14
Company: Master Finance Company
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under Master Finance. I requested a validation on XX/XX/XXXX as there was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and account was listed as disputed by consumer but I had not received any correspondence from creditor to validate this account as correctly belonging to me.Therefore on XX/XX/XXXX I sent a direct dispute to XXXX XXXX/XXXX  requesting that account be removed from my profile as the creditor failed to validate the account in a timely manner. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally attempt to collect on this account and this account continues to negatively affect 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 2021-11-06
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my XXXX credit report, I noticed a medical collection that does not belong to me. After following up with the reporting company several times, I've yet to have this issue resolved. I've requested documents, but have still yet to receive any.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
There is currently a collection account on my report. Please remove : 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 2018-01-31
Company: Franklin Collection Service, 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 received an alert response and I dont agree with this debt because I am unaware of this debt like I told you in the last letter if you continue to force a debt on me that wouldnt be the best solution for you and your company and I will take legal actions immediately. This isnt a threat. You have used my consent without my validation, and you mentioned my demographic as if it has something to do with my personal information. I am a victim of identity theft and because of the recent breach by XXXX I believe that I was greatly affected by it. If you continue to list an unknown debt on my credit looking to collect I will make sure that I contact the attorney generals office in XXXX XXXX and file a lawsuit against your company for violating my rights and this isnt a threat or a warning. I wont be answering to any messages as I will forward all recorded calls, emails, certified letters and more evidence to prove that Im innocent in a court room. It wont be a surprise when you receive any documents from The XXXX XXXX County Courthouse. Please feel free to contact my lawyer from this point on.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After reviewing my credit report, I've noticed a medical collection account reporting to my XXXX credit report. I've reached out to the company for documentation showing the debt is mine, but haven't received a response after several attempts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Castle and Cookie Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX requires use of its owned mortgage company. XXXX misleads consumers into thinking it is required to use its mortgage company. XXXX  ignored me for several weeks when I was attempting to follow up and use a different lender. Eventually, XXXX  said it is permitted to use my own lender. I asked XXXX  if they will change their policy as to other consumers and they did not respond. I conferred with State Department of Real Estate and they said it would be more appropriate to complaint herein.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have 2 accounts on my credit that need to be removed from my credit i have faxed in statement from my bank showing i paid the acvou t before i moved to my new address in 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 2021-11-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
It was on XX/XX/21 XXXX around XXXX or XXXX. My kid called me from his friend phone saying he got email saying he is doing wire transfer to the girls account XXXX. If hes not authorizing this, call this number. 
He didnt do it, so he called from his friend phone because his phone got hacked suddenly, and he couldnt use his phone and no one couldnt call him. He called Wells Fargo customer service to stop the transaction. Also, I called myself WellsFargo customer service and told them to stop the transaction but they told my kid they cant know if its him even though he gave his account number and social security number. Customer service told me they dont have authority to do anything but make an appointment next day on XX/XX/21 XXXX which I went. 
It was still pending on XXXX, but next morning money was gone not pending, but posted on top of XXXX dollar transaction fee. So XXXX we filed the complaint, but got denied after 10 business day. Then we escalated the case, but it got denied again. Now they re escalated higher levels or whatever. We called the fraud department asking to work with police provided her phone number police case ID and everything, but they didnt do anything but denied our case. 
I dont know why customer service doesnt have any authority to stop fraud transaction to begin with. We got email saying we are doing wire transfer, so we called they saying its not us, but they say they dont have any authority to do anything, then what is the point of customer service??? 

Also, around 2 weeks ago from XXXX, so mid to end of XXXX, he got email saying the girl tried to withdraw XXXX from his debit card, but couldnt withdraw because she didnt have correct password. So he went to branch to cancel his debit card, and request the new debit card. People at branch didnt close his account and opened new account which he should have. Instead, they said its ok as long as you get new card???? 

Customer service of Wells Fargo is beyond horrible. I cant even describe how terrible they are. 

If we didnt get money back, well find the lawyer and file a lawsuit. This is the money for my son college money. We need to get it back.

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 2018-01-31
Company: INTERCONTINENTAL CAPITAL GROUP
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:
XXXX XXXX XXXX XXXX.  This company spoke to someone else not myself.   I registered my account as a Fraud victim.    They pulled the followers information.   Consumer:  XXXX XXXXConsumer Address: XXXX XXXX XXXX, XXXX, CA XXXXSS#: XXXXInquiry Date: XX/XX/2018End User/Company:  XXXX  XXXX XXXX XXXX. #XXXX/XXXX XXXX Reseller:  XXXX XXXX XXXX   You can clearly see they pulled XXXX this IS NOT MY SOCIAL SECURITY NUMBER. However it linked the my social security number I have no affiliation with these guys nor do I want a loan from New York.   I ask they remove this from all three bureaus they pulled the wrong social and it linked them my credit account therefore This is not factual nor correct they refused to remove this fron my credit file.    They have 30 days that remove this or I'll take action with all the Bureaus and I'll advertise all over forums to warn people how they pulled a wrong social and yet linked it together my account.   I demand them to remove this report !     My social is not what they have done and on file

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: STATE EMPLOYEES CREDIT UNION
State: NC
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:
There are 2 Visa Credit card charge-offs that showed activity month after month. According to the fair credit reporting act, the account should not show activity once it has been charged off. The repeated charge-off activity caused a decrease in my credit score each month. I have been denied credit due to this issue. I have tried to resolve this on my own, but have not been successful.

Company response to consumer: Closed with explanation