BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-19
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX have made several requests for proof that a creditor once originated with a national financial institution that has FDIC insurance can sell off a debt that is part of a securitized trust. Then these same debt buyers that used to be known as collection agencies could re-assign the debt to a fourth party for collection enforcement. This process of stating that debts are being purchased by a third party and then enforced by a fourth party is the larges scam in America. The U. S. Supreme Court decision in XX/XX/2017 known as XXXX v. XXXX XXXX XXXX XXXX is responsible for this scam. This decision basically states that since a third party purchases the debt, that my rights under the Fair Debt Collection Practices Act is VOID. The problem is that almost all unsecured debts are sold off to XXXX XXXX in various traunces in securitized trusts. There simply is no resolution where the debt can be purchased, only that the debt can be assigned for collection purposes. Each financial institution must file a 10Q filing quarterly with the Securities and Exchange Commission. The rules on debts being charged off is with the Federal Deposit Insurance Corporation through the FDIC Act,  XXXXode 5000. A debt can be classified either standard or sub-standard. Debts over 180 days late must go into the sub-standard category and written off on a quarterly 10Q SEC filing. These charge 0ffs usually are submitted in the tens of millions of dollars. So its virtually for these debts to be sold..period. Accordingly, I request full validation proving the debt purchase. Secondly, I will entertain a very low settlement agreement to put my dispute to rest. All of the settlements can be submitted through the CFPB portal email address submitted. I am still within my rights under the FDCPA since proof of a purchase to a third party has never been established.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint:
Equifax is not letting me access my account. I verified all the information name, address, ssn, dob, etc but I am still denied access to my account because I failed the security questions regarding payment amounts in the past. I've had over 10 accounts with different payments, I can not possibly remember each account. Agent XXXX - XXXX was very rude and had very nasty attitude.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: PA
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:
on XX/XX/2020 i Contacted XXXX, XXXX, And experian about inaccurate information reporting to my credit report. According to the fair Credit Reporting Act section 609 this companies are required to verify information being reported on my credit report. On XX/XX/2020 i followed up with the bureaus because i Didn't get a response. Today is now XX/XX/2020 and i still have not received a response. I have been waiting for well Over 60 days this a 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 explanation
Consumer complaint received 2019-06-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These fraudulent accounts are reporting on my credit report XXXX XXXX XXXX XXXX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: ONLINE Information Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
-- -- -Original Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX Sent : Mon, XXXX XXXX, XXXX XXXX XXXX  Subject : Questions on your recent Bill. : XXXX XXXX XXXX, XXXX, VA XXXX Dear Sir, Reference : XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX We sold the house on XX/XX/XXXX. 

I notified XXXX  XXXX even two weeks before we sold the house. 

The new homeowner also notified you to transfer the account in their name starting on XX/XX/XXXX. 

As you very well know, you have been automatically withdrawing my gas bills directly from my bank account at XXXX XXXX. 

We have moved out of Virginia. 

My account at XXXX XXXX has been open until XXXX, XXXX. 

You have been withdrawing money from my bank account even through XXXX, XXXX. 

I just received a notice from a collection agency, " Online Information services ", asking me to pay {$72.00}. 

This amount of {$73.00} includes, I assume, late payment charges, etc, well beyond the actual bill. 

I repeat : you have been withdrawing money from my bank account well beyond XXXX, XXXX, even upto XXXX, XXXX. 

Actually, you owe me a refund because you have been withdrawing money from my bank account well beyond the XX/XX/XXXX. 

You have been committing fraud. 

I have been paying my bill for the past 28 years to XXXX XXXX promptly, and on time, because, you had my bank account, and withdrawing the owed amount promptly. 

If you really believe that I owed any money to XXXX  XXXX, you did not even have the basic decency to write me a letter. 

I tried to call you on XX/XX/XXXX XXXX Monday XXXX on your telephone number : Customer Service and Billing : XXXX ( XXXX ) You put me on an indefinite hold. 

Hence this email. 

I do hope you will respond to my email promptly after checking my account. 

I repeat : We sold the house on XX/XX/XXXX. 

I had already notified you of this sale two weeks prior to the sale, asking you to cut off the gas service on XX/XX/XXXX. 

You continued to withdraw money well beyond XX/XX/XXXX. 

Promptly refund the extra money you owe me. 

Indeed you have been double dipping : Collecting money from the home buyer and from me, even until XX/XX/XXXX. 

I expect a prompt response. 

All you have to do is to hit the reply button. 

Best Regards, XXXX XXXX cc : 1. Consumer Financial Protection Bureau 2. Federal Trade Commission

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Hello, My name is XXXX XXXX. I and my family would like to purchase a home. I haven't moniterid my credit before. There are ample amount of accounts and inquires that do not belong to me. Please remove them. 

Thank you

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 2019-06-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
The following people were contacted by this company- me, my husband, my father, my mother, my sister, my sister-in-law, and I was left a message at my place of employment. They stated that I was a defendant in a lawsuit and I needed to contact them within the next 24 hours- this is Portfolio Recovery Services about old debt that has been written off. The phone numbers they called from were XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
Company: Williams & Fudge, Inc
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This company called my cell at dinner time asking if i knew how to contact a random person. They did not introduce themselves as the company they were calling from nor did they say that it was an attempt to collect a debt. They said the calls were recorded and asked if if I was myself and I responded yes. I was asked to give them my name again and then he immediately asked for a phone number so that they could reach this other person. When i tried asking who he was he did not want to give me any details about the company or why he was calling. I called back several times to try and get a different agent on the phone to find out more, as it seemed like a scam, but each time the call connected to the same guy. When i called again to ask how he could have possibly gotten my information, the guy says it was public information that I was married to this person. I have never been married in my life. I told them to stop calling people who did not offer their contact information to avoid this creepy situation and he says he can call anybody he wants to. He also stated he had 2 other ladies to call with my same name to try to track down this other person. Unfortunately, wont know thats the reason until its too late Im sure. The technique of collecting peoples information from other people in order to collect a debt does not seem moral.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-30
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello On numerous occasions over the years, I have inquired with Ocwen in regards to my P & I Payments being improperly applied to the account. 

The reason I have been told by the servicer that I have an adjustable rate mortgage so they can not send me an amortization schedule. 

The interest rate is incrementally being raised ( 4 ) times in which it is quite simple to send along the amortization schedule. In XXXX the rate was 3 %, then in XXXX it went to 2 %, then in XXXX it went to 3 %, and XXXX it is at 4 %, with the final rate change in XX/XX/XXXX to 4.375 %. I have had the P & I interest applied most recently on XX/XX/XXXX {$460.00} ( principal ) & {$790.00} ( at 3 % interest ), on XX/XX/XXXX the Principal payment was {$490.00} and interest was {$580.00} at ( 2 %. rate ) I have all the documents showing that the p & i rates have been all over the place. 

The only actions that were taken by you or the company, are a letter saying they can not provide me an amortization schedule?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
Numerous inquiries were added to my credit report without my consent.

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 2023-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I XXXX XXXX Im writing in regards to complaint About XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX services bank, XXXXXXXX XXXX XXXX XXXX inquiry that was not filed by me

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 2020-10-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2020 I went to a hotel on the beach in Oregon only after calling the facility and being assured they were following the Governor 's mandate on masks. It was all a lie and they were not. When I got there I peeked in the small lobby to see a large number of people not wearing masks including the facilities manager and her employee behind the desk. On the front of the registration desk was a large sign about three feet long that said, " No masks, no service ''. But about 60 % of the people in the lobby were not wearing masks AND the employees were not wearing masks so I did not enter. I came back later when the lobby had cleared out. I asked the employees why they were not wearing masks, they did not answer. I asked for my money back as I had provided a credit card when reserving the room. They said if I did not cancel the reservation more than 24 hours before that they could not refund my money. So I was stuck. In a town with 100 's of motel rooms there was no alternative as everything is always full. I couldn't sleep on the beach or in my car as I'd get a citation. So I used the merchants services and stayed in the motel the night, and then got the heck out of their at XXXX the next morning. Bank of America of course follows their antiquated rules and simply state that as I stayed at the motel therefore I can not successfully contest the charge. I would hope during a world wide pandemic people would understand that not only was the motel " not as described '' but they put me in a life threatening situation. I am XXXX years old and immune compromised. When I came home my doctor had me self quarantine for two weeks. I want to complain about Bank of America and they way they treat people that contest charges.

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: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2020, I authorized a purchase with XXXX XXXX for {$3000.00}. On XX/XX/XXXX, I realized it was the wrong item and purchased the right item. I called the merchant on XX/XX/XXXX who assured me that they would cancel the XX/XX/XXXX transaction. They never cancelled the transaction. So I returned the item and was credited XX/XX/2020. 
In my anger with the merchant for not canceling the first transaction, I declined delivery on the 2nd order. The order was sent back to the merchant with their XXXX  Tracking # XXXX There were 2 debits and one credit from my Capital One account from XXXX XXXX in XXXX. There should have been 2 debits and 2 credits. 
I tracked the declined delivery shipment and it says returning back to sender. I called XXXX to find out if this was a glitch but they refused to give me further information, saying they could only provide information to the shipper. If XXXX  does not have their package, they will need to call XXXX. 
I filed a dispute with Capital One in XXXX trying to get my money back. My initial claim was declined because the claim rep disputed the amount that was refunded. I filed another dispute with the same result. 
It is extremely frustrating as it appears Capital one is not taking the time to read the notes or go through the transactions. The lack of attention to detail and alarms me and I want no further involvement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Paypal is fraudulently declining financial transactions to withhold cash-back award potential. Despite having a long established relationship with this vendor they have begun declining all transactions on business debit card ending in XXXX. My PayPal account is in good standing and is secured by a long standing link to my financial accounts at XXXX XXXX. Paypal despite repeated attempts to contact them by phone has zero support available and chat support takes hours and days to respond and do so with scripted messages that do not address the concern. When formally asked to escalate the concerns no additional action is taken nor additional contact made. PayPal is fraudulently declining transactions in an effort to deprive me of my cardholder right to receive cash-back rewards and unjustly enrich themselves through theft by conversion. Account ID : XXXX debit card end XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-06
Company: EQUIFAX, INC.
State: IN
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:
Equifax refuses to verify my identity to evaluate my free annual credit report on the incorrect basis of failing security questions. However, the security questions asked by telephone reps were repeated multiple times in broken English expecting different responses to the same question. An untenable result. Two different reps speaking English a second language were unable to differentiate past from present tense making answering the questions satisfactorily impossible. I am now incorrectly locked out of my credit file both online and via telephone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-18
Company: Experian Information Solutions Inc.
State: VA
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:
Hello, I sent a total 8 disputed requests to Experian regarding the XXXX account XXXX XXXX XXXX no longer being serviced by the company and has been discharged and sold with a company Im currently working with to fix the issue. However Experian hasnt completed an In-depth investigation or have reached out to XXXX or they wouldve known this and removed the item from my credit reiport. Instead they keep reporting it on my report late and marked, as derogatory. What happen to credit reporting agencies being held accountable? 

They have done a poor job with reporting accurate information when it comes negative accounts. I have attached an letter from XXXX admitting this account is no long with them. The XXXX Account should be deleted right away.

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 2019-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Took out loan for vehicle in XX/XX/XXXX. Traded vehicle in as down payment for newer vehicle in XX/XX/XXXX. XXXX finance company previously reported late payments on account to all 3 credit reporting agencies at the time of vehicle trade in in XX/XX/XXXX. XXXX finance company has recently added several additional late payments in XX/XX/XXXX to an account which has been closed since XX/XX/XXXX. Additional late payments are incorrect, fictitious and misappropriated and I am requesting immediate removal of this data from account history and credit reporting agency files immediately. Credit reports in XX/XX/XXXX reflected late payments reported to all 3 credit reporting agencies. In XX/XX/XXXX, XXXX finance company reported several additional late payments to all 3 credit reporting agencies while account has been closed due to vehicle trade in since XX/XX/XXXX. As of XX/XX/XXXX XXXX finance company had previously been reporting to Transunion a total of 2 late payments from XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX XXXX finance company has added 6 additional late payments to my Transunion file for a total of 8 late payments in which none of the dates currently being reported were previously reported-data is inaccurate/incorrect and does not match and needs to be removed immediately due to erroneous reporting. As of XX/XX/XXXX XXXX finance company had previously been reporting to XXXX a total of 4 late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX XXXX finance company has added 5 additional late payments for a total of 9 late payments in which none of the dates currently being reported were previously reported-data is incorrect/inaccurate and does not match and needs to be removed immediately due to erroneous reporting. As of XX/XX/XXXX XXXX finance company had previously been reporting to XXXX a total of 4 late payments from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As of XX/XX/XXXX XXXX XXXXinance company has added 2 additional late payments for a total of 6 late and there is also a discrepancy in dates being reported as they are not accurate based on previously reported data. Information is incorrect/inaccurate and needs to be removed immediately due to erroneous reporting. XXXX finance company is also still reporting on time payments to XXXX from XX/XX/XXXX thru XX/XX/XXXX thus far while the account has been closed and paid off since XX/XX/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 2017-12-19
Company: Experian Information Solutions Inc.
State: TN
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:
XXXXXXXX University forged my signature on student loans between the year of XX/XX/XXXX-XX/XX/XXXX. I was on a full 4 year scholarship during this time. I never authorized my signature nor did I sign for any of these loans. The school admitted to fraudulently taking these loans out in my name without authorization. I am currently disputing this with the XXXX Fraud Department and the Borrowers Defense. However, because of these fraudulent acts by the schools my credit is being affected tremendously by this causing it to go down over 100 points due to there being no payment of these loans. I have asked XXXX to report them as disputed on my credit report and I have also asked them to put them in forbearance until the issue is solved. They told me they ca n't because of it being disputed. Borrowers defense told me it could take over a year to get a decision. I have done everything I can possibly do to get this issue solved. In addition, I have also reached out the state attorney general.

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