BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-12
Company: Experian Information Solutions Inc.
State: AR
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 is the second time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX  XXXX {$120.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1100.00} US DEP ED XXXX {$7700.00}

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 explanation
Consumer complaint received 2018-11-02
Company: Veripro Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
last week, i called Veripro Solutions to see if i could negotiate a reasonable amount to release the lien that was included in my bankruptcy XXXX in XXXX. My case worker, XXXX, gave me an offer but I said NO because the property isn't worth it and he really tried hard to think he was smart and was going to compel me to make a bad business decision. However, i said NO and i asked if he could just send me a letter of that offer even though I WAS NOT going to accept it .... i wanted it in writing because i may have to file a quiet title or a motion to make them release the liens. The mortgages were discharged and last payment on this house was in XXXX. The first mortgage company just released their lien for {$120000.00} to me because this area in NJ was hit very hard by the crisis. My house is worth MAYBE XXXX at the most. I left for an extended period of time and someone broke in and started a fire there last month. On top of ceilings falling down, and the roof and the new furnace that is needed. I was willing to pay maybe a grand but nope i would rather it go to tax sale or consider filing a motion. the house isn't worth it i was trying to take care of it because its a duplex and this fire was at XXXX in the morning and there is a family that is attached to that building so i wanted to see what i could do so this doesn't happen again. i was willing to settle with 2 mortgage companys if i knew i could sell it fast to get my money back. i am not stupid and i know when to walk away ... i suggest XXXX XXXX understand that if he calls me again i will get compensated. His call today/time has been recorded in my journal. 

So .... my complaint is that he called me trying to collect on the offer that i clearly told him I WAS NOT GOING TO ACCEPT but i just needed it in writing. 

I told him AGAIN TODAY this debt was discharged in a chapter XXXX. he continued to annoy me until i hung up on him ... he was obviously not done harassing me and thought it was fun! game over XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
phoenix financial services is trying to collect a debt for XXXX XXXX XXXX XXXX XXXX which i already paid. Company i paid to : XXXX XXXX XXXX XXXX XXXX XXXX
XXXX, PA XXXX XXXX Additional Info : XXXX Reference # XXXX Amount Paid : {$160.00} Sent phoenix financial services receipt from XXXX XXXX XXXX to info@phoenixfinancialsvcs.com Name : XXXX XXXX ACCT # XXXX ( account # for phoenix financial services ) They said amount i paid {$160.00} did not match owed amount of {$160.00} so they it was not valid. Paid Service fee to XXXX XXXX which was the difference. Also, phoenix financial services would not give me contact info for XXXX XXXX XXXX to clear this up.
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Tired of being harassed and having credit take a hit for something i already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Problem with customer service

Complaint:
I previously have submitted a complaint to PayPal regarding my account being limited access due to suspicious activity. In my CFPB response letter from PayPal inc. they stated that my current PayPal account is limited because they alleged a violation of Restricted activity and hold section of the user agreement. I called today XX/XX/XXXX to PayPal because a supervisor was supposed to give me a callback for a reconsideration because I have showed proof that their security system was a false positive of fraudulent activity on my account. I havent received any callbacks and today I spoke to PayPal collection department which they stated that I still have a negative balance of my previous PayPal account back in XXXX and I advised the representative that I have already payed off that debt which PayPal sold the to XXXX XXXX. PayPal has no legal rights to that account once sold to a debt collector and I have the letter to confirm my debt settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am writing to you today regarding my student loan account which I had while I was a student at XXXX University. The purpose of my correspondence is to see if you would be willing to make a " goodwill '' adjustment on the reporting of this account to the three credit  agencies. 

During the time period this account was established I had was very happy with the service, I was however not the ideal customer and made mistakes with my handling of the account. I should have kept better records regarding the account and I take full responsibility. I became aware of the unpaid balance when I got a copy of my credit report in XX/XX/2018. 

I know that payment was my responsibility and I am not attempting to justify this breach in the user agreement, I was however hoping you might review the circumstances under which this nonpayment occurred and consider removing the negative trade line associated with this account from my three credit reports. 

As soon as I became aware of the balance I contacted DEPT OF ED/ NEL NET I consolidated my loans, refinanced my debts for an easier payment schedule, and closed all accounts paid in full. I provide this not to justify why the account was unpaid, but rather to show that the issue with my student loan account is not a good indicator of my actual credit worthiness. I hope that DEPT OF ED/ NEL NET is willing to work with me on erasing this mark from my credit reports. 

Your kind consideration in this matter is greatly appreciated. 

Best Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
I have disputed the late payments on this XXXX/XXXX   XXXX account for months. XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: NRA Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
National Recovery Agency called me and identified themselves as the NRA updating their mailing list for members. Being a member I gave them the information asked for. After that they advised this was a call to collect a debt I asked them who they were again and they responded the NRA National Recovery Agency

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-02
Company: TD BANK US HOLDING COMPANY
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of Identity theft and If included a copy of the Identity Theft Affidavit Report that was sent to my Sheriff Department for further investigation. I have a few unknown derogatory accounts caused by identity theft reported by your company on my credit report that I didn't open or obtained any good or services from. I've listed the unknown accounts here alone with their account numbers. 
XXXX XXXX XXXX XXXX chargeoff This chargeoff was caused by Identity theft. 
TD BANK USA/XXXX XXXX chargeoff This chargeoff was caused by Identity theft. 
XXXX XXXX XXXX XXXX chargeoff This Charge off was caused by Identity Theft. 

As you know, 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days  after the date of receipt. 
I have enclosed a copy of my IDENTITY THEFT REPORT and Report Number, that has been filed with the Federal Trade Commission. 

The Final Rule contemplates automated reports generated by the FTCs complaint system as being within the scope of the definition of an Identity Theft Report. As a result of these blatantly reckless, wanton, and intentional acts, I have suffered and continue to suffer general and specific damages. Please accept this letter as my demand for the immediate and complete removal of this purported item from my credit reports ( XXXX, XXXX, and the XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: RentDebt Automated Collections, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company is reporting to my credit as a rental and I have been getting denial back to back because of it I have never live at this rental place they have on my record at all and I have told them that I have report this account to the FTC and i have send out a letter to them requesting verification and haven't received anything at all and it been past 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending this afidavit again. This is my SECOND TIME sending this affidavit. I am a victim of IDENTITY THEFT. I should not be suffering with my credit because THESE companies allow people to open up accounts that i have no knowledge or gave any consent for anyone to do. This is my last attempt to reach out to the credit bureaus becuase my next step will be the attorney generals office. Please remove these fraudulent accounts an stop further victimizing me by inaccurately reporting these accounts on my behalf.

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 2020-09-09
Company: HW Holding, Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I applied for several apartments and was declined for an eviction. After calling XXXX  XXXX XXXX, I was informed that this debt was put on my credit when I was in the unit. I did not move out until XX/XX/2018 and the date that the debt was put on my account is XX/XX/2018. The amount is inaccurate also. The judgement that was done in court was much lower than what was put on my credit. I still have emails from the realty company stating that I was in the unit.

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 2022-08-05
Company: Experian Information Solutions 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:
My issues are being ignored, and I feel taken advantage of! I have previously contested this account, as I can tell that you are reporting false information. The opened, last reported, and last active dates are incorrect!!! Even so, you fail to verify this account!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The western union service was installed in my agency but it was never fully operational, so no transfer of money was ever made. 
Western union tried to fix it twice but could not fix it. 
The person who installed the system told me that someone would contact me to fix the problem and it was not until after 3 weeks that someone contacted me to supposedly repair the system. That person who called me had confidential information about my account and knew that my account was not operational. He asked me to do some things on the computer to fix the problem. 3 days later I received an email indicating that I owed western union XXXX $ Someone made 7 money transfers from my account. whoever did it could enter to the main platform of western union or work for western union since it is the only way to modify the activity schedule of the account. ( XXXX to XXXX ) All transfers were made at unauthorized times ( from 7:31 pm ) I contacted the western union fraud number and they took my complaint, but nothing else. Days later they started to pressure me to pay them without even having an investigation of my case. 
Now they sent the case to the collection company ( XXXX XXXX XXXX XXXX ) and they threaten to affect my credit record. 
I tried several times to resolve the case with western union staff and there was no response. 

Companies involved : WESTERN UNION and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: ALLY FINANCIAL INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
According to the statute of limitations in Maryland this account should not show on my credit at all. 3 years has past And the account and balance should be removed.

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 2020-01-29
Company: Experian Information Solutions Inc.
State: NY
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 submitted a validation letter to XXXX XXXX XXXX XXXX, I also sent a dispute challenge letter to both XXXX and Experian back in XX/XX/2019. In reference to account XXXX XXXX  XXXX   XXXX : I recently received an updated letter from both companies XXXX  & Experian stating that the account has been verified. I have yet to receive a response from XXXX XXXX XXXX XXXX. If the furnisher has not responded to my validation request. How can XXXX and Experian verify this account?? This is a violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-24
Company: Automatic Data Processing, Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am requesting ADP to close my checking account and they are refusing to close my account so that I am charged " inactivity '' fees they are sending me emails about.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12
Company: Rocket Mortgage, LLC
State: ND
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 called quicken loans on XX/XX/XXXX to get pre-quailfied for a home loan. I explained that this is going to be an investment property and I was needing a loan for {$80000.00} I told him my whole plan and he said let 's pull your credit. 

He pulled credit report and said everything looked good with you and your wife but, unfortunately we can't lend out that amount for an investment property due to it being too little. They would not go less than $ XXXX. I disputed my credit inquiry and they came back and said that we would give you {$75000.00} but unfortunately your wife 's credit is to low. 

Quicken loans is coming up with every excuse on why we are not approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Financial Assistance Inc
State: PA
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 noticed debt on my credit report that wasnt mine. THIS DEBT IS A RESULT OF FRAUD. The creditor is XXXX XXXX XXXX and the amount is over $ XXXX. I filed a identity theft report with the FTC and diputed this account as fraud. I notified XXXX  XXXX XXXX and I am now getting collection notices from Financial Assistance INC. on behave of XXXX   XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-02
Company: Ocwen Financial Corporation
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mom is the original owner of the house since XX/XX/XXXX. In XX/XX/XXXX my mother and I obtained a new loans from XXXX XXXX XXXX and the tile company that close the loan no longer in business and the mortgage company is not in business. The service company was Ocwen servicing. We started paying the loan for serval years when asking the service company about the deeds of the property no response. Mother stop making payments for the loan for one month due to financial issues and the Ocwen didnt want to receive any more money from her. I tried to refinance the loan because I could not. InXX/XX/XXXXXXXX filed for possession of the property with a copy of the deeds of trust not with the original document. At that I could not find any other information about the mortgage. The deeds was not registered in my name after tens years. I never received any information from XXXX about the mortgage. The property is located in XXXX Maryland XXXX XXXX XXXX XXXX Maryland XXXX. I need help with my house. I paid a lawyer more than {$10000.00} I dont have any other money. Please call if any other issues XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
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: Account status incorrect

Complaint:
After numerous attempts to resolve inaccurate information being reporting by XXXX XXXX XXXX they retaliated by reporting more derogatory information to the credit bureaus. I had a XXXX  XXXX account I paid off on XX/XX/XXXX 2012 and I asked the customer service to close the account. Instead, they reported that my account was charged off and continued to report charge off till XX/XX/XXXX 2012. They acted in bad faith and this is a false and criminal reporting.

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 2020-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect XXXX  XXXX {$110000.00} XXXX   XXXX {$25000.00} XXXX  XXXX {$110000.00} 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 2018-06-19
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Denied loan

Complaint:
I applied for a patent plus loan for the spring term of XX/XX/2016 for my son. We thought it was all taken care, therefore he enrolled. I never received a denial email or letter from navient. They said they sent my son an email. He has XXXX. I take care of things for him for that reason. Neither of us received any other notifications. Since he had already enrolled by the time we were notified, it was too late to drop classes and the college has charged us for the entire semester! {$6000.00} which we don't have. Thanks for checking

Company response to consumer: Closed with explanation