BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-27
Company: Westlake Services, LLC
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:
WestLake Finical sold my debt to another company and still reporting an active debt owed and reporting to my credit currently when they stated they stopped report back in XXXXXXXX XXXX  2022

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 2015-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am contacting you today, XXXX XXXX 2015 for the second time after not hearing back from you on XXXX XXXX as you stated in your response phone message to my first complaint. Please remove the XXXX XXXX account from my Transunion credit report as it has been closed and is reported closed on the XXXX credit report. 
Please respond immediately!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Company : Meade & Associates , Inc. ( A 3rd party debt collector ) Starting around XX/XX/2018 I began receiving calls from Meade & Associates , Inc . Sometimes they call from the same number, sometimes the number is different. The numbers are as follows.

XXXX ( This one calls the most ) XXXX XXXX All of them leave the same threatening voicemail messages stating if I do not call them back local authorities will be contacted, and I will placed under custody, etc.

This is in relation to a XXXX hospital bill that I have been paying on sending small payments to the hospital itself.

I now receive about 10+ calls a day ( XX/XX/2018 ) from the numbers above.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: EQUIFAX, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 I received a letter from XXXX  XXXX indicating that my mortgage loan had been sold to Carrington Mortgage.

When I went online to make a payment to Carrington Mortgage, I noticed that they charge a {$5.00} online fee for me making a payment to them! Why do I have to pay to pay them when XXXX XXXXXXXX and previous to that XXXX XXXX did not charge? 

This is insane to me, how can a mortgage company sell my loan to another company with fees like this? I understand loans can be sold but I feel victimized and helpless about this additional {$60.00} I have to pay per year! I am trying to pay off a huge loan, not make it worse. This feels like it should be illegal, what if the next company that it's sold to charges {$10.00} to make payments? Do i really need to go back to mailing payments? I have to pay it no matter what fee they charge at their discretion, and I never agreed to this!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: Square Inc
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Cash app decided to randomly close my account for no reason after having all my personal Information ( social, routing/tracking number, ID, and address ). 

They have no support number and only reply with a terms of service email when you contact there support option. This borderline fraud and stealing personal information without access to my account or a representative. Contacted them over 5 times on email to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
State: IN
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 writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hello. 

I currently owe money to XXXX XXXX. It was sent over to a collection agency during the midst of the Covid-19 outbreak and I have not been able to pay the debt off. XXXX is very well aware of this and I understood the collection agency. 

Recently the collection agency who had it apparently sold it to another collection agency known as Midland Credit Management ( The lady identified herself as this company ) and we received a letter about the debt and threatening to hand it over to a lawyer in our area. 

Currently I've been receiving phone calls every few hours since XX/XX/2020 with today being XX/XX/2020 where I finally picked up the call. The lady did not identify herself and said she was with the agency stated above. She began saying I owe {$1000.00} in debt to XXXX XXXX  and said " I owe her a reason for not paying her debt and once were done with this call we will decide what action to pursue ''. Upon a threatening voice and much harassment for the past 10min of the call duration I hung up. To date I have maybe 15-20 missed calls from the agency and unable to block their number due to them calling from a blocked caller ID. 

And ... if you're wondering ... I do not give my number out ever and I never get calls from unknown since high school

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a letter from " Helvey and Associates '' on XXXX XXXX, 2016 stating that I had an outstanding electric bill with XXXX XXXX. This letter was dated XXXX XXXX 2016. I immediately called XXXX XXXX. They stated that they had made a mistake and never sent me a final bill. I then immediately paid the amount due. Then on XXXX XXXX, 2016 " Helvey and Associates '' reported it as a collection account on my credit report and they are refusing to remove it unless I pay them additional money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-17
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am XXXX years old and can no longer live alone because I have XXXX  XXXX and, at times, have difficulty walking and it was necessary for me to sell my home. Because I owe much more than the home was worth, Ocwen Loan Servicing, LLC was contacted about a short sale. My real estate agent put the house on the market in early XXXX of this year for {$230000.00} and a buyer was found the first day. She contacted Ocwen about the offer and they mailed me an application for financial assistance which I completed and mailed back. After mailing them bank statements for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, they responded to my request on XX/XX/2018, in writing, stating that I made too much money and did not qualify for financial assistance, a short sale, or a deed-in-lieu of foreclosure. I disagree with their findings as they completely ignored my reason to move which is my health. The buyer has withdrawn her offer and I have moved near family where I am paying for new living expenses and can not afford to continue to pay on the mortgage on the for sale property. I am extremely disappointed in the amount of time Ocwen took to make a decision and then, to base that decision on something other than why I made the request in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: Security Credit Services, 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:
XXXX XXXX fraudulently placed this account on my report. Sold it tonsecurity credit services. Thus account is NOT mine a police report has been filed and is attached. If not removed from all 3 credit bureaus legal action will be taken. It should be noted that both companies have a history of fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-08
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/XXXX see attatched statement of UNRESOLVED FRAUD. On XX/XX/XXXX {$200.00} & {$280.00} XXXX credited for past fraud. On XX/XX/XXXX {$200.00} & {$280.00} TRANSACTIONS BECAME NEW PURCHASES TO TOTAL {$2.00}, XXXX. Note Adjustment Purchases. When was USAA XXXX XXXX XXXX CREDITS XXXX {$200.00} {$280.00} made PERMANET? Why was I not Notified the RESULTS OF INVESTIGATION THAT RESULTED IN A TEMPORARY CREDIT ADJUSTMENT PURCHASE. ON XXXX AFTER ALREADY PAID BY MERCHANT? **** ( Why is USAA ALLOWED TO * TURN A TEMPORAY CREDIT INTO * PERMANET NEW PURCHASE * JUST AFTER MERCHANT CREDITS POSTED.?? ) *** USAA PROVIDE WRITTEN DOCUMENTATION OF THE OTHER CREDITS TOTAL {$2.00}, XXXX BEING MADE XXXXERMANET TO REVESE THE MERCHANTS CREDITS over {$1.00}, XXXX? These are. NOT NEW PURCHASES AS USAA SAYS XX/XX/XXXX TOTAL CREDITS for this period {$910.00}. Where are and what happened to the rest of the fraud credits? I recieved NO NOTICE. WHEN DID ALL TEMPORARY CREDITS ( Adjustment Purchases ) the ones with cute little minus sign THAT ARE ** NOT INCLUDED IN THE TOTAL CREDITS DISPLAYED UNDERNEATH ONLY {$910.00}. ON TOTALED LINE UNDER {$2.00}, XXXX OTHER CREDITS. WHEN DID THEY ALL BECOME PERMANET? THOSE THAT DID NOT WHY?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, XXXX XXXX XXXXXXXX. Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 written instructions

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 2020-07-09
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

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 2021-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Failed to disclose there were 3 modifications on the property and switched modifications on the last modification from a fixed rate to a step modification. See documents

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 2020-04-08
Company: Bridgecrest Acceptance Corporation
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 information incorrect

Complaint:
Months of XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX this bridge crest company reported me as late when a payment plan was established. Company now stating no matter if a satisfactory agreement was in place they still need to report late. Have tried to speak with them directly, wrote letters yet still they report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States 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 written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2018-02-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I generated credit report by XXXX on XX/XX/XXXX and was surprised to see XXXX XXXX/XXXX account/ Portfolio Recovery Associates and the charge. 
Detailed scenario is as follows '' I had visited XXXX XXXX Store, XXXX XXXX, CT on XX/XX/XXXX and purchased few items. On payment counter, I submitted my personal information along  with my social security number to apply for XXXX XXXX credit card. As per the executive at the payment counter, my credit card application could not be processed. Hence I had to swipe XXXX credit card which I had that time. 

Apparently XXXX XXXX charged me {$37.00} to XXXX XXXX credit card instead of XXXX credit card. When I tried to check my XXXX purchase history, I was unable to find the XXXX XXXX transaction. Also verified with XXXX customer care that the transaction was not completed and hence can not be located. 

I am not agreeing to the disputed charges as the XXXX XXXX XXXX have not issued me any card till date. Also, I have never received any kind of communication. Not an email, letter notification or even a phone call. 

Now this account has been transferred to PRA i.e XXXX XXXX XXXX XXXX, ( Dept XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX ). 

I have approached myself to XXXX XXXX, XXXX XXXX & then PRA for clearing this pending amount appearing on credit report where I raised a dispute with PRA. 

I received a letter from PRA on XX/XX/XXXX stating " We have already responded to previous dispute same as the present dispute and the matter is closed from our side ''. I have attached all the communications from PRA till date where they are not giving me proper response for the queries I raised. 

As this issue happened due to carelessness of XXXX XXXX XXXX. Now PRA LLC is not considering points mentioned by me and the response given by them are not specific to my case and seems to be very generic. 
Could you please investigate this issue and help me to resolve this without penalty charges? 

Appreciate your help, Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: CAINE & WEINER COMPANY, INC.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I temporarily had auto insurance on a temporary vehicle through Progressive XXXX. The policy lasted six months and was paid for and cancelled. Progressive tried to collect beyond this even though the policy was cancelled and not in effect. They were not insuring me for time that was not paid. They claim a balance of {$370.00} and sent to collections via Cane and Weiner. The policy was cancelled XX/XX/2021 fully paid, and in XX/XX/2021 they said I owed {$370.00} but could not provide me with documentation as to how that amount was owed after the policy cancelled while being paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal has unfair business practices. I became aware of a past due balance on an old PayPal account that I didn't need anymore. When I tried to log into my account to pay the balance it kept saying there was an error on PayPal 's side and to keep trying. When I looked on their website for an email address to contact them when I clicked on the link it took me to a page asking me to log into my account ( which I couldn't do ). There are no phone numbers on their website but I googled and found a number and called them. When you call the automated message askes for the phone number associated with the account. My account was so old I don't remember the phone number I would have used so I tried to ask for representative but it just kept asking for it. After trying many times I finally found a way around the automated attendant and got someone on the phone who told me my account was locked. How am I supposed to pay the past due balance if they lock my account? When I said I wanted to pay the balance due and then close the account I was told I would have to be transered. As soon as I was transfered the phone went dead. This happened several times and after repeated attempts I got to someone who would take my credit card info to pay the balance but once the balance was paid they told me it would take 3-5 business days before they would unlock the account for me to close the account. I spend 3 days of my life just trying to get through to them to get the balance paid and close the account but it seems like every step they purposely make it hard so they can keep the account going to continue to collect fees.

Company response to consumer: Closed with explanation