BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: MD
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: Problem getting your free annual credit report

Complaint:
XXXX XXXX XXXX  I had requested to get my free annual credit report. I was denied of getting my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-08
Company: CAC Financial Corp
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
CAC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX This appears on my credit report, same address as XXXX XXXX collection agency who has no idea who i am when called. i have no idea who CAC is and what its in regards to and neither do they. Whats with credit reporting agency 's claiming to not know who i am and having open accounts on my report. Please remove your name from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: EQUIFAX, INC.
State: MD
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 Account # XXXX Account # XXXX Account # XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. State I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my wriiten instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery claiming to try to collect a debt. They have been notified not to call my mobile number and continue to do so, repeatedly, at all hours of the day and every day of the week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Public record information inaccurate

Complaint:
THE CHAPTER XXXX CASE # XXXX SHOULD NO LONGER REFLECT ON MY CREDIT FILE. TRANSUNION/ XXXX XXXX  HAVE BEEN NOTIFIED THAT THE PUBLIC RECORD SHOULD BE REMOVED AND DELTEED FROM FILE CREDIT FILE DUE TO THE STATUTE OF LIMITATIONS AND I HAVE HAD NO RESPONSE FROM THESE ENTITIES.

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 2020-01-30
Company: Winona Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a letter stating a check I wrote to the pharmacy was returned. The letter stated I was being abusive and stating i was a fraudulent check writer. It also stated i have created a " history that reflects an attempt to commit fraud ''. The letter went on to state I had the option to resolve the issue if my error was " not an attempt to commit fraud. 

The amount of the check was {$16.00} cents. I went online to try and pay the error and they gave me the option to pay by check ( ironically ) however, they wanted to charge a processing fee of XXXX in addition to the returned check fee.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-22
Company: TOYOTA MOTOR CREDIT CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
Your company refuses to take accountability for the errors in your online system as well as your customer service reps and for that reason my credit has suffered tremendously. I got into a wreck and totaled my car on XX/XX/2018. My insurance paid off the account in XX/XX/XXXX, there was a minuscule balance showing on the account for {$5.00} for the next 2 months and I called to verify this was correct and get the account resolved. I was told a different amount ( {$64.00} ) not showing on the online account and they mentioned taking it from my account, I agreed to have it taken out, upon logging in to your online system I noticed the same balance of {$5.00} and 2 weeks later after not seeing it being taken out, I called and they told me there was a late payment of {$64.00}. I never would have known about this balance if it wasn't for my due diligence. I never received an email notification, letter, phone call, NOTHING about the remaining balance. My only reference was the online account, which clearly showed a balance of {$5.00}. I wrote a letter disputing this as I was never, ever late on a payment, even paying early at times on the account for the past 3 years. This error has caused a huge sore on my credit report, I am in the middle of buying my first home and this affects me and hurts me tremendously. I wont be able to purchase my home if this erroneous late payment is not removed. I called your customer service line and was told there was nothing they could do, and an " automated letter '' was sent by your credit dispute department ( which has no direct phone line or supervisor to speak directly to ). I am angry, hurt and extremely disappointed in your company for your lack of research and accountability. I was a loyal customer for 3 years and your mistake will cost me my home that me and my XXXX boys worked so hard for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2020, I purchased an item for my car from a website XXXX which is based in XXXX and accepts paypal payments. I waited patiently from this merchant to ship my item and they kept delaying the shipment with comments such as we will ship out next week then the following week no update or response. So on XX/XX/2020 I filed a dispute on Paypal that the seller never shipped my merchandise or gave me a tracking number as promised. I also told the shipper not to send the item any more since it was too late and I no longer needed the item from them. 

Surprisingly on XX/XX/2020, I received update from the paypal dispute resolution department that stated the merchant provided a tracking number. This tracking number the seller provided was fake, and had no status even as a pending shipping. The seller is trying to defraud me by giving a false tracking number since you can not give a tracking number that doesn't exist in any of the known shipping companies. 

I went to look at what my recourse is for this situation and looked up the seller and found multiple sources such as this review site that says the merchant is notorious for scamming people and failing to send the items they promised to as part of a sale. 
XXXX XXXX XXXX The question I raise is twofold here : 1. How am I protected and able to get my money back if this tracking number is indeed false. Even if they ship me something, now that I had filed a complaint as the seller failed to give a tracking number, the resolution process is simply allowing the seller to provide a tracking number to cover his end, and that still leaves me vulnerable to being a victim of fraud by not receiving what I expected or there would be no option to open a new dispute if the item isn't what I was expecting. 

2. Why is paypal allowing this seller to continue using their services if it has been established that several customers have been defrauded by the seller in the past?

I am asking that paypal resolves this issue in an expeditious manner since I have already been waiting for over 3 weeks to get to this stage, and they are giving a response of XX/XX/XXXX to determine the outcome of the investigation. 

Based on other sources I found online, it appears that many fraud sellers are taking advantage of this loophole in Paypal to provide fake tracking numbers simply to get paypal off the seller 's back to steal customer funds. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report and was shocked to find out that I have become a victim of identity theft. There were numerous accounts that did not belong to me as the consumer. This has been hurting me as I'm in the process of buying a home for my family. Remove these fraudulent accounts off my credit report as soon as possible.

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 2019-03-16
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am sending in a Qualified Written Request to Select Portfolio Servicing as I believe they don't have legal standing to be servicing this loan. I also believe that there are " errors '' in the fees and overall accounting of this account and I am requesting verification from SPS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I have a XXXX Credit Card where I make a minimum payment to since the credit card was opened in XXXX 2013. I was not receiving my statements on time very early on when I first applied for a XXXX Credit Card and was unaware of the due date. I was making multiple payments for one month not knowing it was not reflecting on the following statement. Late fees were assessed and when contacting XXXX they were not willing to work with me on the late fees. The balance was increasing higher and higher and it became an absurd amount which I was unaware of. I have since paid half of the balance owed to my XXXX account. The monthly statements sent by mail were not being received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have had my credit pulled this month and I recently found out I am a victim of fraud. I have a few issues going on concerning the accuracy of my name and addresses. 
My name is spelled XXXX XXXX XXXX my DOB XXXX my SS # XXXX please remove any other spelling of my name. 
The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Please delete the following numbers they are not mine:XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have some unverified accounts that do not belong to me please delete : XXXX XXXX # XXXX, XXXX XXXX # XXXX, Please delete this account account it is fraudulent I do not owe XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: Ideal Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I do not know who these companies are and have never had an account with them. They continuously call and send documents however, these are not companies I have had any agreements with. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX IDEALCOLLECTION SERVICE XXXX XXXX XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Lendmark Financial Services
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:
on XX/XX/2019 i recieved an iquiry from XXXX. I didn't authorize this transaction.I disputed the inquiry for deletion but nothing was done about this inquiry.I attempted to reach out to the creditor to get proof of the authorization of the inquiry but to no avail. 

on XX/XX/2019 i recieved an iquiry from XXXX XXXX XXXX. I didn't authorize this transaction. I disputed the inquiry for deletion but nothing was done about this inquiry. I attempted to reach out to the creditor to get proof of the authorization of the inquiry but to no avail. 

on XX/XX/2019 i recieved an iquiry from Lendmark Financial S. I didn't authorize this transaction. I disputed the inquiry for deletion but nothing was done about this inquiry. I attempted to reach out to the creditor to get proof of the authorization of the inquiry but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX : Consumer was alerted to unauthorized Inquiry ( s ) by XXXX who assured consumer absolutely no accounts opened / credit extended ; XXXX Incident # XXXX processed by XXXX XXXX female ) at ( XXXX ) XXXX on XX/XX/XXXX XXXX XXXX. 

XX/XX/XXXX : A ). XXXX falsely reported unowed debt to consumers spotless credit reports ; and, B XXXX. XXXX refuses to issue correction to credit bureaus after receiving notification of their errors.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: TD BANK US HOLDING COMPANY
State: PR
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:
A letter was received from a collection agency called XXXX XXXX , XXXX on XX/XX/2020. An outstanding debt is indicated for Raymour & Flanigan. Credit has never been requested or taken for this company, we understand it is identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-16
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Im trying to responsibly pay off my student loans more quickly, but Heartland XXXX   charges convenience fees for additional one-time ACH payments. Ive had student loans with other services and this is the only company Ive experienced which charges additional monies for one-time ACH payments. Just because something is legal doesnt make it right I intend to escalate this issue with University XXXX and potentially petition for the University of XXXX and other universities broadly not to use the services of Heartland XXXX in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Gordon, Aylworth & Tami, P.C.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
XX/XX/2020 To Whom It May Concern, I was never given notice before being garnished from my check by XXXX on behalf of Gordon, Aylworth, & Tami PC. for 10-11 % of my weekly net pay. ( Case ID : XXXX ) I am XXXX and this has caused a hardship for me. I can not pay my rent now. 
I was not notified about a judgement or given any opportunity to present my income and explain my hardship and show my bills. 
I need this to stop immediately. 
I need to know what the debt is and who it is from. 
If it is legitimate, I can only afford to pay {$5.00} per week at most. 
I need legal assistance. This is an unfair and predatory debt collection practice. It cant legal. Its definitely unethical. I can not believe that they are allowed to garnish my pay without explaining anything to me or giving me any prior notice. 
Please assist me with getting this resolved and legal and regulatory guidance. 
Update : Today, I just found out that it was from a XXXX XXXX. I haven't been able to review the account history to know if it was mine. I had a XXXX  XXXX card in XXXX. I'm told that I was sued by XXXX  XXXX and I live in XXXX  now. 
Additionally, the garnishment letter was dated XXXX, postmarked XXXX and mailed from Texas to XXXX. I was garnished on XXXX. I just received the letter about one day ago. I was not notified before it happened. 
There were no other correspondences from any of them before this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-04
Company: I.C. System, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! 
THIS IS MY SECOND TIME CONTACTING THIS COMPANY AND YOU GUYS HAVE NOT FIXED THE ISSUE. For months this company has been reporting inaccurate, unverifiable, erroneous things on my credit report and I am sick of it!! This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit score. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 2. What services I am being charged for. 3. What the cost of each service I am being charged for. I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
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:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit 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 2023-02-09
Company: CMRE Financial Services, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XXXX  the ambulance ride was paid by my insurance of XXXX $ to the XXXX XXXX county fire department under the alias XXXX XXXX. This collection agency is double billing. Cmre financial services Inc address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On or about XX/XX/2019. My spouse who is not on the credit card was contacted about my past due American Express account of {$3400.00} balance. He is not on the card and had no idea why he was contacted about a card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-22
Company: CREDIT WORLD SERVICES, INC.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am showing on my credit report that I have a debt with Credit World Services Inc. for a XXXX bill it is not mine. I tried to get in contact with the company and it is impossible, I need to get this resolved. PLEASE

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