BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-26
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from PMAB , LLC dated XX/XX/2020 ( see attached ), listing several outstanding old medical bills in the about of {$7400.00}. I called PMAB on XX/XX/2020 to inquire about these bills. I spoke to XXXX who told me the bills were in my name and needed to be paid " now '' or it will hurt your credit rating. I asked her to send me verification which I received a letter ( see attached ) listing all the bills dated XX/XX/2020 with a new amount of {$8200.00}. On XX/XX/2020, ( without admitting recognition of the debt or acknowledgment of the liability ), I sent ( see attached letter ) a letter agreeing to settle the debt for {$820.00}. The letter clearly states I asked for a response in 15 days from the receipt of the letter. 

Then on XX/XX/2020 I received an email from XXXX XXXX saying there has been new activity on my credit report. When I checked my report every single medical account from PMAB that was not previously on my credit report is now showing up on my credit report as owed. 

To date, I have not received any response from my settlement offer dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as XXXX XXXX Data Breach.The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value and several negative items. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
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 recently checked my credit for the first time on XX/XX/2020 and noticed a derogatory mark for a debt owed on a credit card. ive never opened that card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
MY CARD IS DECLINED FOR EVERY PURCHASE AFTER I UPDATED MY NEW ADDRESS WITH COMENITY BANK. I HAVE CALLED THEM 4 TIMES AND WAS PLACED ON INDEFINITE HOLD WITH NO ANSWER EVER BY CUSTOMER SERVICE. I HAVE EVEN EMAILED COMENITY WITH XXXX XXXX RESPONSE WITH NO RESOLUTION TELLING ME TO CALL BACK. I JUST TOLD YOU FOLKS YOU DONT ANSWER YOUR PHONE. THEY WILL NOT CALL ME, CAN NOT CALL ME AND APPARENTLY ARE UNDERSTAFFED AND CAN NOT SERVICE CREDIT CARD ACCOUNTS AS A RESULT. THIS IS NOT ACCEPTABLE AND THIS SHOULD BE INVESTIGATED DURING YOUR NEXT REVIEW OF COMENITY BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: ORG GC GP Buyer, LLC
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
We had XXXX XXXX  while living in XXXX XXXX. We cancelled services when we moved to XXXX state because they did not provide services there. In the terms and conditions of our agreement with XXXX the termination fee should have been waived. It wasn't. We made several attempts to contact XXXX and were transferred several times, but no resolution was ever made. On XX/XX/XXXX we were charged {$90.00} for that termination fee. We were then sent to collections via GC Services. They had my new address, and sent a dispute to XXXX. They then called me to tell me to send physical proof of our move beyond the fact we received their letter at our new home. We then had to call XXXX  again. On XX/XX/XXXX we tried 6 times to send an email to the address provided. XXXX. The email bounced back every time saying it doesn't exist. We called in again on XX/XX/XXXX and were told to try XXXX. It bounced back another 6 times. Now on XX/XX/XXXX I received an alert from the credit bureau that I have a collection account on my credit report! When the original debt is still in dispute!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Checking my report today and I noticed some accounts that was open I never was aware of there is some inquiries on my account as well as a bankruptcy Im so confused. the inquires dont even have a account why is this inaccurate info on my report man.

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 2020-01-25
Company: EQUIFAX, INC.
State: SC
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've contacted the 3 major credit reporting agencies about inaccuracies on my credit report resulting from identity theft possibly from the many recent breaches. None of them have yet to respond with any relevant information or tell me how they allowed these accounts be opened. Again, its not my job to start trouble, but these inaccurate accounts are really hurting my ability to get credit and are beginning to cause XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: MI
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:
Checking my report today I noticed that it was some inaccurate items & accounts on my report I never opened or gave my consent to anyone to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: ALLY FINANCIAL INC.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Back on XX/XX/XXXX I complained about Ally not sending me a check they promised to get out to me. Two years later they say they still have the check. I filled out a lost check affidavit twice in the year XX/XX/XXXX and I still have yet to receive the check. Each time I try and chat in with them they ask for more information and then tell me they already had it on file.

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 2019-10-30
Company: CITIBANK, N.A.
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:
I HAVE FILED WITH THE FTC,,,, I WRITTEN ALL 3 BUREAUS,,, I HAVE WRITTEN THIS CREDITOR ...

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 2021-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response to the written requests I sent about my accounts dated last XX/XX/2021. However, any modes of response or coordination were not taken on their end. Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continuously reported as unverified information on my Credit Report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX OF XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX {$450.00} XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-04
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My client is XXXX years old and has been working with SPS on a short sale for over 8 months now. When she first started she was told she would receive {$10000.00} relocation assistance ( she has this in writing from SPS ). The HAFA relocation program had already expired ( XX/XX/XXXX ) but SPS failed to update their documentation. Then they told her she would receive {$3000.00} relocation ( she has this in writing from SPS ). In XX/XX/XXXX SPS then advised my client she would not be eligible for the relocation assistance. In addition to getting bad information about the relocation assistance, my elderly client doesn't regularly use technology. SPS is frequently asking for " one more change '' or " one more item '' which has caused her short sale to be delayed. My client 's agent finally asked our firm to assist as they are concerned this woman is being taken advantage of because of her age. I contacted SPS directly and was advised that the only change needed was to remove the relocation assistance on the HUD. We did so and submitted that information XX/XX/XXXX.  SPS policy is that they will review the file in 3-5 days to confirm documentation. When I spoke with the Ombudsman department on XX/XX/XXXX they indicated there were no new notes and they would send a request for an update. I called today ( XX/XX/XXXX ) and was advised that TODAY the file was reviewed, so a decision will be made within 30 days. SPS is out of compliance with their own guidelines and again, taking advantage of my client. They dangled relocation assistance in front of her, now took it away, now they are delaying reviewing her file. Once change was needed, one change was made. We need a decision ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Riverwalk Financial Corporation
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This complaint is regarding the following company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX They popped up on my credit reports. Claim I owe money to XXXXXXXX XXXX XXXXXXXX and reported them as my original creditor on my credit reports. I have never heard of this company. I can not XXXX  or find this business anywhere. I asked XXXX to provide proof they exist and they failed to do so. 

They provided an account number with the above XXXXXXXX XXXX   XXXX that is not any account number I have had. They provided an old loan from another company and hand wrote the account number on it. That loan did not match the XXXXXXXX XXXX XXXXXXXX. The date of the last payment date is blank and the Late payment amount is blank. They said they were a debt collector and now they said in my XXXX   complaint they purchased this debt from XXXX XXXX. 

They have robo called me for months, just changing the number slightly and that seems to have stopped with my XXXX  complaint. They threatened to sue me, garnish my wages, show up at my work, contact friends etc. They do not send statements just out false info on credit reports. The only letter they sent was in response to my complaint with them and includes all this inaccurate information. 

I asked them to take this off my credit and they refused to do so unless I pay them money. I said I am not paying money for an account that was not mine. 

I disputed with the credit companies and XXXX XXXX XXXX keep validating the debt as accurate and re-seasons the so called owed debt on my report. They have a principal balance that is not any amount I owe. They do not differentiate principal or possible accrued Interest. They said This debt was for a car and I never had a car loan with anyone but major lenders for my cars. I asked them to provide proof of a car or vin and they have failed to do so. 

They are in multiple lawsuits using the same type of fraudulent collection activity on other people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This past year I have noticed a unethical approach by Wells Fargo Bank - United States of America when posting transactions. It seems that once my account gets low in funds, all of my transactions take an average of 4-7 days to post, but when the account has plenty of money, the transaction posts same day/ next day. The manipulation and reordering of transactions done by Wells Fargo employees clearly exposes what they are doing. Their goal is to hold transactions as long as possible ( as they will disappear completely from the " pending transaction section '' ) and post them once they can ensure an overdraft fee has occurred. This has happened multiple times throughout the life cycle of my account with Wells Fargo, and I've even let the account go negative to test my theory of how they are XXXX over the American Public. An example of what I'm talking about - On Monday, my account read {$50.00}, I made 3 purchases all for {$10.00} ea. they go into " pending transaction '' - My account reads {$20.00}. On Thursday of the same week, i run into an emergency and have to commit {$25.00} to purchase something, understanding that a {$35.00} fee will be charged because of this transaction that put my account in negative. At this point, the 3 separate transactions for {$10.00} ea. disappear completely, Account reads positive, Wells Fargo posts the larger transaction ( for {$25.00} ) then the next week, tries posting the 3 transactions made earlier in the week to ensure more overdraft fees are charged to the account. Why is this company still allowed to XXXX over customers repeatedly? 
What is the point of the CFPB if it takes a citizen realizing what this shady company has been doing for probably 20 years now. Are you guys getting a kickback from Wells Fargo not to pursue them for unethical and illegal business practices? Why does my tax money go to programs like the CFPB, who don't protect American Citizens, but cost us more money??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I use my cashapp for specific people but there are three transfers I just noted today to XXXX XXXX on the following dates : XX/XX/2020 for {$200.00}, XX/XX/2020 for {$20.00}, and XX/XX/2020 for {$320.00}. The transfers were done without my knowledge and did not consent. This is not the first time I have had fraud with my account and every time I use it I label what it is for these transfers are not labeled.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-01
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have not heard back from Experian in over 30 days since my formal written notice of dispute dated XX/XX/2020 ( copies enclosed ), and since they have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact, exists.

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 2019-11-14
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: Information belongs to someone else

Complaint:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY IN ONE CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS REMOVE OFF MY CREDIT FILE 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 2020-01-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
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 recently checked my credit for the first time on XX/XX/2020 and noticed a derogatory mark for a debt owed on a credit card. ive never opened that card

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
These accounts are erroneous and imprecise for I have not remembered having these accounts. Also, the information you provided on some accounts are different from other bureaus and I know that they are inaccurate and the reported payment history on some accounts are questionable to me. I have always been stellar in my payments. As required by section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, I am requesting that the adverse information on the accounts be DELETED to correct the information. Please look into these matters and REMOVE the disputed accounts 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 2020-01-25
Company: Mr. Cooper Group Inc.
State: CO
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 credit report is showing a late payment on my Mortgage with Mr. Cooper for the month of XX/XX/2019. My bank account shows that my check to Mr. Cooper was cashed on XX/XX/2019. This mortgage was sold to Mr. Cooper during the month of XX/XX/2019 and on XX/XX/XXXX, a representative from Mr. Cooper informed me that my payment was never received during the month of XX/XX/2019. I believe my payment was lost during the transfer of mortgage companies during that time so I double paid my mortgage at that time. Nobody ever informed me that my payment wasn't received during XXXX otherwise I would have corrected it immediately. 

Thank you for your time, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-25
Company: Experian Information Solutions Inc.
State: NY
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:
INQUIRIES ON MY CREDIT REPORTS THAT ARE NOT MY DOING. PLEASE ERASE. I have 5 inquiries that are not my doing. I do not want a response saying please contact these companies as i have done so and they say that there is Nothing on file for me. So please remove asap. 

EXPERIAN XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX   Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX   Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX Bulk Purchase Finance - General Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXX, CO 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 2020-11-18
Company: Experian Information Solutions 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:
XX/XX/2014 ACCOUNT NOT OPEN IN MY CONCENT TRUED TO DISPUTE CAME BACK VERFIED ACCOUNT DISPUTED FOR YEAR LONG NO RESULTS COME BACK VERFIED ACCOUNT ON EXPERIAN

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 2018-07-09
Company: Bread Financial Holdings, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Purchase items from my XXXX XXXX credit card but through XXXX websight. I returned all items of clothing. I purchase shes 3 pair. only items I kept total $ Payment Payment Date : XX/XX/2018, Payment Amount : {$20.00}, contacted via email bal is incorrect, they ignored and billed me for XXXX when bal was XXXX. I called today and now my bal is over 100.00 reps are rude, refused to help me, added late fees and items I returned. manager claim she would transfer me but hung up. They have no right and refused to assist

Company response to consumer: Closed with explanation