BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-26
Company: Paxful Holdings, Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Dear sir/ma please come to my rescue i am one of the paxful trading platform users with username XXXX. i got a message on my email on the XXXX of XX/XX/2021 that my account on their platform which has XXXX btc inside has been frozen due to term of service violation that i should contact support which i did immediately. 

On the XXXX of XXXX i got another message that my account has been banned because it does not pass compliance review and my funds are available for withdrawal. 

Despite the fact that they said my funds are available for withdrawal they still did not give me option to send my funds out of the platform. All my effort to get in touch with them to release my funds since they already banned my remained unsuccessful. 

It is almost 5months already and still they refused to release my funds. this has infact caused alot of problems for me and my family because am still yet to repay some of my suppliers and even the value of the coin has lost almost 45 % in value. 

My account is fully verified with my voters card. i also used my local bank statement of account to verify my address. This is pure cheating. i don't know how on earth a company will block the account of their user and told him/her to withdraw his/her funds without giving the option to be able to withdraw it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: ATG Credit, LLC
State: UT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a collection notice from ATG Credit , llc. on, or around XX/XX/XXXX. The letter is dated XX/XX/XXXX and is claiming a debt owed to XXXX XXXX XXXX for labs billed by the XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX on XX/XX/XXXX. My understanding is that XXXX XXXX XXXX filed bankruptcy in XX/XX/XXXX and went of out business at that time. 
When I received my original statement from XXXX XXXX my insurance at that time ) in regard to XXXX XXXX XXXX bill, it showed the allowable charges and their payment. It also had an explanation of benefits that states I have 0 % patient responsibility for the remaining balance. XXXX was a contracted insurance provider with the office. 
The billed amount from XXXX XXXX XXXX was {$4600.00}. XXXX paid for the allowable charges and sent a statement explaining the balance with a {$0.00} patient responsibility. I have a copy of this statement. I also sent a response to ATG Credit, llc.within the required 30 days asking for proof of services that created the alleged debt, how the debt was calculated, copies of any papers that show I have an obligation, show that they are licensed to collect in the state of Utah, and provide me with their license numbers and Registered Agent within 30 days. 
In response ATG Credit , llc. sent a repeat request on XX/XX/XXXX with none of the requested information. Just a list of billed labs. 
I should also mention that after the statement from XXXX was received XXXX XXXX XXXX never sent any further communication. XXXX XXXX XXXX told me their contract with XXXX XXXX XXXX states they accept payment of whatever allowable charges are paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: DE
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I feel this is a Predatory Loan/Lending with Subprime Lending with a High intrest Rate and fee with High Monthly Payment and the Balance does not go down. My loan #  XXXX  from  OneMain Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am filing this report because today XX/XX/2020 I was made aware of two accounts on my credit report that do not belong to me. The way I found out was that I went to apply for a XXXX  credit card and I did not get approved due to these two accounts in negative standing appearing on my credit report. The accounts are from XXXX XXXX and XXXX XXXX. I did not open those accounts nor have I ever opened an account with those companies. I did not allow anyone to open those accounts in my name and I do not and have never had a written/verbal contract with either of those companies. I did not benefit anything from these accounts such as money, goods, services or any other benefit and I never made any payments towards these accounts. I have filed this report to the best of my knowledge and I have also filed a police report and a complaint with the consumer financial protection bureau.

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 2022-03-26
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXXXXXX The results of the requested investigation did not produce the documentation of that investigation or update my credit profile. Therefore they have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over a month ago I reached out to Convergent Outsourcing about a debt they claimed to be mine. I explained to them this was not my debt and disputed the debt as well as requested evidence that this debt was mine. When I asked for the evidence they had to prove this debt was mine they said they needed to reach out to XXXX. They had not already verified this debt which in the state of NJ is illegal. Regardless, I requested documentation and proof that this debt was mine. This was on XX/XX/XXXX and I was advised by Convergent Outsourcing to call back XX/XX/XXXX. They disputed the debt and I waited for my documentation. I waited till XX/XX/XXXX to call back as I had not received any documentation providing evidence of the debt. When I called I informed the collection debt agency that legally they had 30 days to prove this debt which they were unable to do so. In this event I instructed them to report to the credit bureau that this is not my debt, to rectify this on my credit report and to remove the debt from my name. Convergent Outsourcing explained that XXXX has not reached out to them about the claim and that they would document my call. When I requested for them to remove this debt and contact the credit bureau they said " You can call the credit bureau if you'd like, this debt will not be removed today until XXXX contacts us back ''. Which I responded " tough luck, legally you had 30 days and it is not my fault XXXX has not reached out to you ''. They did not remove the debt and have still failed to provide evidence or documentation that this is my debt.

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 2022-08-16
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022, I sent the certified mail for this company to cease and desist, in Pursuant to 15 USC 1692c. ( c ). This company has not produced the following and have violated my rights : Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Deletion from all consumer reports.

Remove all remarks or comments off my consumer report.

Pay the attached bill of particulars for every violation labeled in the attached exhibits.

Return requested documents 1. Name and address of the original creditor who created the debt.

2. Name on file of alleged debtor.

3. Alleged account # 4. Date of original charge or delinquency.

5. Was this debt assigned to a debt collector or purchased?

6. Amount paid if debt was purchased.

7. Documentary evidence that this agency is in fact the holder in due course.

8. Certified copy of the original negative information notice required by FCRA section 623 ( 7 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
CFPB complaint # XXXX The business that provided the information in question has 30 days from the date you submitted your request to respond back. No response has been received. The Fair Credit Reporting Act ( FCRA ) requires that XXXX allow 30 days for the dispute process to be completed. 

The first initial response was XXXX and now it is XXXX. 

XXXX XXXX XXXX XXXX IS REPORTING UNVERIFIED DATA THAT I DID NOT GIVE THEM PERMISSION OR MY CONSENT TO DO SO.

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 2022-08-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
We have TWO loans with PennyMac and there seems to be some confusion on their servicing platform for some reason in properly servicing both loans. 

The loan that I am having issues with is loan # XXXX - Property located at XXXX XXXX XXXX XXXX in XXXX, CA. 

In XXXX 2022, I set this loan and our primary home ( Loan # XXXX ) as well as the problem loan in question Loan # XXXX. The auto pay was properly processed for loan # ending in XXXX but was not processed for loan # ending in XXXX. I noticed the issue and called PennyMac and made a double payment on XX/XX/XXXXXXXX 2022 for the XX/XX/XXXX payment as well as the XX/XX/XXXX payment. I told the representative that I set both of these loans on autopay and she reassured me that she has resolved the issue and that in XXXX, my next payment for loan # XXXX would be drafted automatically from the bank. 

Needless to say, they never processed the XX/XX/XXXX payment properly. They did make XXXX attempts to debit my XXXX Checking account ( XXXX ) on XX/XX/XXXX. I had over {$130000.00} in my account and they did not properly process the mortgage payment in the amount of {$4000.00}. 

Unfortunatly, this time I caught there error in mid XXXX and called and made ANOTHER double payment as I did back on XX/XX/XXXX 2022 for the XXXX and XX/XX/XXXX2022 payments for loan # XXXX. They reassured me that they would not report me late and there would be no negative credit reporting regarding this issue. In fact, the late payment fees were even waived. 

I am currently trying to purchase a home and they are reporting me late on my credit report and my XXXX has dropped. 

They have been very cryptic, but they leep on citing the issue being the mix up with the other loan I have. Earlier this summer, they failed to pay my homeowners insurance renewals and they kept on saying that they got it mixed up with the loan on my primary residence. I have an impound account BUT I had to come out of pocket and pay my insurance myself when they were supposed to have done so themselves. They seem to be citing the same mix up on the auto pay. 

I finally got the case escalatted to a person named XXXX XXXX and she called me on Monday XX/XX/XXXX and said that she was correcting the late payment but then i discovered that she was still referencing the wrong loan number again. 

I am attaching the mortgage statements to document the payment history as well as my XXXX checking account statement to show that PennyMac attempted to debit the XX/XX/XXXX payment on XX/XX/XXXX from my checking account but in the amount of {$0.00}. 
I am also providing you witha copy of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The date the collection was opened XX/XX/XXXX. 

Original amount : {$2200.00} Interest : {$1000.00} Total as of XX/XX/XXXX : {$3200.00} Account number : XXXX The collection company has accused me of receiving a check from my insurance to pay my XXXX and claim that I never sent it to the XXXX XXXX XXXX back on XXXX XXXX. I called my insurance and they were not aware of any check. I then asked the collection company for the check account number so my insurance could pull it up and they failed to give it to me. I dont recognize this account and the clinic never reached out to collect any money. I would like this deleted from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-08
Company: Experian Information Solutions 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 information incorrect

Complaint:
Experian has my account showing written off {$280.00} my account has not ever been in collections or written off by XXXX XXXX. 

I contacted them in which they stated there was nothing written off nor is there any balance to this account or nothing showing written off. 

they mail me a letter stating there is no balance nor does the account ever show late or ever in collections at no time that the account was open.

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 2022-03-26
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
We were with XXXX XXXX for Auto Insurance when I was involved in an accident XXXX. About a block from our home, a pizza delivery driver backed out of a neighbor 's yard ( not driveway ) as I was driving ( with a passenger ) by on the way home. I did not see them until just as we collided. I did everything to avoid the collision and ended up stopping my car on the left shoulder of the street after collision. The Deputy gave the pizza lady a ticket and said it was plainly her fault. My Friend that was riding in my car confirmed the fault was strictly the pizza driver, of which she moved her car trying to change the situation. When XXXX XXXX was allowing the fault to be a small part on my responsibility, we vehemently disputed it and changed insurance companies to XXXX, who gave us a better rate. We had been with XXXX XXXX since XXXX! 
Now XXXX has raised their rates to XXXX XXXXXXXX for my XXXX XXXX and my XXXX 's XXXX XXXX, which is ridiculous! We want to change to XXXX, since my Husband is a Veteran, however have been told Lexis Nexis shows me partially being at fault for that accident in XXXX and a XXXX incident which was me getting my windshield replaced after having a XXXX XXXX it as I was driving home in a rain storm. We were not aware the windshield replacement was held against us, of which it is not supposed to be. 
I called Lexis Nexis several weeks ago and left a message for a returned call, as instructed by XXXX. They never called me back, however 2 weeks later, I received a letter with information on how to request the report on line, of which I did. Now it will take several weeks to receive the report so we can dispute this. In the meantime, I am still paying XXXX XXXXXXXX to XXXX which is very much a burden since we are living on Social Security income. 
How can XXXX XXXX list me at being partial fault when the facts proved otherwise? How does replacing my windshield also go against my record? In XXXX, a deductible isn't ever charged when replacing a windshield. We both have safe driving records and I have only had one speeding ticket in my whole life, of which I am XXXX XXXX XXXX! What is our recourse? 
Any assistance would very much be appreciated. 
Thank you so much. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: DISCOVER BANK
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
my finance company sent them a check and they sent it back to me after they agreed to a seiten amount they refused m payment. stating they wont full payment since i refinanced

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Equifax is such a deceptive and dirty company. Oh wow.. I just applied online through XXXX 's website to see my report and Equifax popped up several questions of which did not appear to apply to me, to validate my identity. Not XXXX question applied to me. Which was very unusual. It leads me to believe someone other than myself has been applying or has applied for credit in my name. So Equifax told me that I was unable to view my report online and to send them certain information. I said ok. 

Later on in the evening I happened to be checking my email and I had an email from Equifax stating " We have recieved your " order '' and your charges will apply starting next month ( or something to that effect ) unless you cancel. I have not ordered anything from Equifax. Anything at all. Then Equifax stated " you can view your report at this link '' and the link then directed me to a website where the company was pushing promotional materials at me. 

How dirty and deceptive. America is going to XXXX. Companies have no ethics now. It 's all greed. 

I need an answer from Equifax why I was sent this email stating I had ordered something that would 'cost me money ' when I did not. 

I read a few online complaints regarding Equifax and there are several online where individuals are stating that Equifax " intentionally misleads '' consumers into believing we have been the victim of identity theft by putting up " all false and fake questions '' to verify our identity and then by denying access to our reports. There are many online complaints where people are saying this. If so, it needs to stop. Equifax already ships all of its jobs XXXX to XXXX workers they pay pennies per day who sound like mind controlled robots and who have no clue about laws governing credit reporting in the U.S. and now the company in my estimation is willingly misleading Americans to falsely believe we have been the victims of Identity theft just to hawk more products at us. SHAME ON EQUIFAX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-25
Company: AmeriCash Holding LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
My bank account was withdrawn  XXXX  on today 's date  XXXX / XXXX / 17  by Americash. They did not send me any notice prior to withdraw informing me of the anything, no info for amount being withdrawn, no date agreed on to withdraw amount that was took from me, Nothing. So I contacted Americash and spoke to a representative concerning the matter. A male representative told me that interest had accrued onto my loan due to late payments that were made onto my account, so the guy told me that I 'm being charged  XXXX  dollars of interests, so they withdrew a portion of that interest from my bank account today  XXXX / XXXX / 17  in the amount of  XXXX  dollars, and the remaining amount of  XXXX  dollars will be withdrawn on  XXXX   XXXX   2017 , I told the guy I did not receive a notice stating anything about this transaction being made, the guy told me they are not obligated to inform me of any interest owed. I was highly upset because I was not informed or aware of any transactions being took place on my bank account today or on  XXXX   XXXX , they violated my rights for not even sending me a notice prior to withdraw, and most importantly the money was not available to be withdrawn due to me deemed unaware of payment set to be withdrawn from my bank account today. From my understanding from my payment schedule which I received from americash stated that my last payment was  XXXX   XXXX     2017  in the amount of  XXXX  which was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: Regional Mediation Associates LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Threatening to collect a debt without giving me a timely manner on how to figure this out

Company response to consumer: Closed with explanation