BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-03
Company: Source Receivables Management LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was a XXXX customer until XX/XX/XXXX. On XXXX/XXXX/XXXX I received a letter from SourceRM stating that I owed XXXX {$36.00}. I called XXXX, complaining that they waited 17 months to contact me. I requested that they check their records, and after a 10 minute delay told me that I owed nothing. I checked my bank records to prove that I had paid the full amount of over {$60.00}, but they only credited me with about {$30.00}. If they were able to check their records and show that I had paid the full amount, why did they refer a {$30.00} past due notice to a collection agency? On XX/XX/XXXX I called SourceRM and the woman who answered the phone verified that my account showed " paid in full ''. Today, XX/XX/XXXX I received another letter from SourceRM reminding me that I owe {$36.00}. I 'm assuming at this point that it was mailed before I called them on XX/XX/XXXX. My concern is that many people would just pay the {$30.00} to avoid " a negative credit bureau record ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
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: Account status incorrect

Complaint:
I am trying to seek the proper date of first delinquency from the reporting on Experian that i am getting from a recent credit account review. You can also see the attached information. 

What is the date of first delinquency on this account? meaning the day/month/year I become 30 days past due and never again did I bring my account back current on NOT DELINQUENT? 

It is my belief that this account should be deleted right now as it has been over 7 years from the date of first delinquency. Please provided detailed account information through this system. 

XXXX XXXX Acct # XXXX This account is inaccurate, date of first delinquencies ; balance, past due, and charge off date are all incorrect. Inaccurate Balance of {$900.00} is being reported as of last month, date of last payment was XXXX, XXXX. This is scheduled to fall off my credit report in 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 2020-03-21
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:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-03-21
Company: Radius Global Solutions LLC
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had spoken with XXXX about this debt that was included on my bankruptcy discharge on XX/XX/XXXX. Then I recently got a hit on my credit for the same amount from XXXX. I disputed with XXXX  and they claim is valid even though I submit the proof of my bankruptcy. This was a bill from 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 2020-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

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 2020-03-21
Company: Southwest Credit Systems, L.P.
State: AK
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:
During the week I received notice of an account that was put on my XXXX  report without notifying me. I did not have a account with this debt collector nor has this company verified any information I have not heard of this company before and I am very upset that this account was just allowed onto my credit report there was no verification of this account or contract between me and them I was not even aware of charges that were due I have no information other than what I have just discovered on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Re : Case number : XXXX. This complaint was submitted on XXXX/XXXX/16 and no one has contacted me about getting an additional debit card. I need an additional debit card. The fact that it has been 2 weeks and no one has even bothered to contact me or send me my card. This just proves that Bank of America treats its senior XXXX veterans very shabby.

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 2022-10-14
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:
Venmo has AGAIN allowed unauthorized access to my account. This burdensome company is either acting in gross negligence or is the perpetrator of these fraudulent transactions. I requested the Venmo representative to close my account after the last complaint and apparently they did not. I want to be reimbursed for my burden in addition to remuneration of whatever funds Venmo has participated in extorting me of. My rate is $ XXXX. Send it to my XXXX account, close it immediately after, and re-evaluate your place in the business world. This company is a load of XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX XXXX XXXX and may have gotten into hands of the wrong person.

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 2020-03-21
Company: Capital Collection Management LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Received letter dated : XX/XX/2020 From CCM Capital Collection Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Stated : PAST DUE NOTICE w/prior notification clause also that alters any of your rights as previously described ... 

Amount requested ; {$13000.00} ( full balance ) or {$350.00} Signed, XXXX XXXX Telephone call with Creditor XXXX / XXXX XXXX Just now XX/XX/2020 @ XXXX XXXX Verified that the account is in good standing and that there exists no past due notice. She will annotate the account to reflect fraud potential but would not verify if this CCM has an agency relationship with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX XXXX XXXX and may have gotten into hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Paypal Holdings, Inc
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Money taken from checking with a fraudulent information. Open PayPal and transfer money to another person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I am writing this because back in XX/XX/2020 I filed disputes with XXXX, XXXX  and Equifax. This is now XXXX and I have yet to hear from any of them. I know they are 30 days to reply to my request it has now been going on 4 months. I understand with covid things are slow and behind but it crazy that within 4 months non of them have reply to me. I have attached copies of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I filed a complaint against EOS CCA agency with CFPB because this agency constantly calls me demanding payment for a debt that they refuse to provide documents or tell me who their client is to prove I owe this debt. In their response to the complaint they mention another agency that I have no idea who they are but again they still refuse to provide me proof of the debt in writing. Also I have asked them to stop calling me, and now that I have filed my complaint they have called me every hour on the hour. They call my cell number which I have no idea how they go my number, they are calling my mother, brother and my kids telling them that they got their numbers from skip tracing and they are trying to track me down. This has to stop. They are violating my rights and I want to file a law suit. They refuse to send documents to validate the debt. They refuse to tell me who their client is or what type of company they are, and now they are harassing me. I need help and I need it quick. My rights are being violated. They told me that no matter how many complaints I file with the CFPB they will never stop calling. They also told me that they will continue to report this on my credit and they will never send me proof of the debt because they do not have too ... I need help here. They need to be put out of business. This is beyond harassment. This is pure Torture

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am writing to inform the CFPB - and consumers around the world that : 1. ) Scottrade Financial Services was warned, on multiple occasions, from employees and outsiders, that their database and securities systems lacked the most basic protections - Scottrade Financial Services ignored these tips and as a result over XXXX customers has their most sensative personal information exposed in a very preventable cyber attack. 

For anybody who was a victim of this breach, a cybersecurity researcher, or a consumer policy advocate, you may obtain detailed documents of the multiple warnings I, and others gave Scottrade by submitting Freedom Of Information Act requests to the SEC, OCC, and CFPB for complaints made against Scottrade Financial Services. These complaints started XX/XX/XXXX and continue until XX/XX/XXXX. Keywords to help with the search may include, " cyberattacked '', " account takeover '', " hacked '', " XXXX '', " cybersecurity '', " unencrypted '', " stolen '', etc. A very limited number of these documents can be obtained by searching for " Scottrade XXXX '' on XXXX.

Company response to consumer: Closed
Consumer complaint received 2021-01-15
Company: EQUIFAX, INC.
State: MI
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:
Equifax has not honored federal law by blocking fraudulent items from my credit profile. I provided a copy of my police report and all additional necessary documents to investigate numerous fraudulent accounts on my credit report. Equifax blocked some and not all and several representatives that I spoke with said two fraudulent accounts : XXXX XXXX and XXXX XXXX XXXX would be blocked within 4 business days and it has been several weeks and now they are saying the accounts have been verified. These account could not be verified because they are fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I am writing this because back in XXXX of 2020 I filed disputes with Transunion, XXXX  and XXXX. This is now XXXX and I have yet to hear from any of them. I know they are 30 days to reply to my request it has now been going on 4 months. I understand with covid things are slow and behind but it crazy that within 4 months non of them have reply to me. I have attached copies of my disputes.

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 2021-01-15
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Pennymac made multiple mistakes when creating my refinance documents : 1. Repeatedly failing to remove an unwanted escrow account that increased the amount of the loan 2. Listing a family member who should not be on the loan because they are out of the country for the next several years and were never intended or needed as a signer The refinancing process has now exceeded 75 days, and it is impossible to reach a loan agent by voice after more than a dozen phone calls. 

After repeated failures to correct these mistakes and deliver a new electronic version for us to review, we met with the title agent to sign the closing documents today and had to cancel because mistake # 2 above was still not corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2022, XXXX XXXX XXXX responded to a complaint via the CFPB portal stating that they have received my notice to cease and desist. Additionally, they have stated they received my debt validation letter. XXXX XXXX XXXX and XXXX XXXX have failed to validate the debt of {$7700.00}. According to case law XXXX Concrete F.C.U v. XXXX, XXXX XXXX XXXXXXXX, a consumer contract or credit card statement is not sufficient evidence for debt validation. The debt that is currently being reported to all three credit bureaus on my behalf is illegal and is in violation of my consumer rights pursuant to XXXX Concrete F.C.U v. XXXX, XXXX XXXX XXXXXXXX. XXXX XXXX XXXX and XXXX XXXX is also in violation of my consumer rights pursuant to 18 U.S.C 894 for listing the debt on my credit report as a means to negatively affect my future consumer transactions and swindle me into making payments in order to remove the account from my consumer report. Again, I do not give XXXX XXXX XXXX or XXXX Funding permission to report a collections account for the amount of {$7700.00} for account number XXXX to any of the credit bureaus. A Cease and desist notice requires the company to refrain from all collection activities and according to XXXX law, this includes reporting to the XXXX credit bureaus XXXX, XXXX, and XXXX. Failure of XXXX XXXX to remove the alleged debt from my consumer credit report within fifteen business days will and can result in legal action against them. Additionally, A Federal complaint will be made for illegal collection tactics.

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 2021-04-21
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland Credit Management XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Re : Acct # XXXX Midland Credit Management has failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. No accounts from XXXX are reported on any of my credit reports. Just listed by Midland Credit Management

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-15
Company: EQUIFAX, 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:
I Have submitted the applications the leander sent me directly to my email that they wished for me to fill out to change the late payment status to my car notes there are 4 of them due to covid crisis. ONCE DONE WITH THERE DOCUMENTATION no results occurred. And I was told to write a 601 goodwill letter over the phone.I did write this letter over 45 days ago.Aslo I have choose to get help with them before I submitted this claim today Unfortunately they simply TOLD ME APPLYING at cfpb would be best. This is Ridiculous I have lost 125 point before I can finance a new home during covid. And have been taking the proper steps the company has not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-21
Company: The Law Offices of Frederic I. Weinberg & Associates, P.C.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX I recieved a Writ  on my bank account for a judgment that was recieved by XXXX XXXX  against me in XX/XX/XXXX. Unfortunantly the attorneys office at the time stated I was served with a court summons to be in court in XXXX and I never recieved notice thus a Default judgement was entered on me at that time. Fastforward to four years later and that was when the original Writ on my bank account was placed and I challenged it and had a court hearing. I never heard a thing from From the law offices of Frederic Weinberg and Associates whom is representing XXXX XXXX   even during and after the first Writ  was placed on my bank account. Then the day of the court hearing they did not notify me and released the Writ on my bank account. I thought I was a victim of Identity theft as I do not have any accounts with XXXX XXXX  nor do I have any debt that I can attribute to be owned by them. Then two years go by and out of nowhere this year XX/XX/XXXX a Writ  is placed to garnish my personal bank account declaring I owe XXXX and XXXX and prothonotary cost of XXXX. I requested an immediate hearing with XXXX Courts and I was granted one XX/XX/XXXX. Unfortunantely secondary to the COVID-19 pandemic the XXXX county courthouse closed down the day before my hearing. The hearing is now rescheduled into XXXX XXXX. At this time I have no way to access my bank account. I am a mother of XXXX children who just recieved my federal tax refund the week the writ  was placed and I have no means to access anything for my children. I attempted to call the law office multiple times and only yesterday had communication with a dispicable person who treated me like I was dispensable did not even wish to help remedy this situation as I told him he was lying as they never contacted me about this prior to placing a Writ  on my bank account. I never knew of XXXX XXXX  in my life nor had I ever recieved calls from them prior to this attorney out of the blue obtaining a default judgment against me on the grounds of improper service. In XXXX I thought as it was released that it was gone. The person I spoke with yesterday at law offices of fredrick weinberg also said they placed a writ  on my bank account last year which is flat out false. They are a disgrace. They should not be able to do this in the midst of a global pandemic. I need the money for my family to live and they have no right to do this to me and my family.

Company response to consumer: Closed with explanation