BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: I.Q. DATA INTERNATIONAL, INC.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Hello Recently I tried renting an apartment in XXXX. The property management said they ca n't rent to me because I owe money to a creditor. I asked her to please tell me who I owe money too because this was the first time hearing about this. She said in XXXX when I lived in XXXX at XXXX XXXX Apartments I owe XXXX. I was shocked and she suggested to call the apartments and find out what happened. So I did and they told me that I 'm not on record for owing money. But they were under new management in XXXX and to contact XXXX XXXX managment. I called a few times and left a message, still no word back. So I call back the realtor and ask if there is a number for the debt collector. She provided me with the number. So I called IQ DATA INTERNATIONAL. I XXXX them and read bad things that I should n't trust them and they are scam company that her assets and bullies people for money. But I still called because I did n't know what was going. Spoke with XXXX, at first she was polite. I explained my situation and said I was willing to pay back the money that I owe I just needed answers. And if I can do payment plans. But then she started changing her tone and being rude. Because I could n't provide her with how much I will pay and why ca n't I pay. Then she started raising her voice at me and I got offended and said I will call her when I have money and she rudely said yes you do that. 

That was the end of the conversation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am a victim of identity theft and someone has access to all my personal information including SSN, DOB, driver license information, passport number and all my records. My paypal account was unable to close and I have made several attempts to call agents from paypal account, which seem like malicious actors impersonating as paypal representatives. I received an email from XXXX stating my account is closed, but the email template does not look like the usual paypal email. I am also experiencing issues with credit companies. I am unable to get a hold of fraud department due to the calls not going through with an error message or tone or automated system difficulties that are spoofed and telephony. I am dealing with a group of hackers that are deliberately harassing and monitoring my activity. I need you to investigate the situation with my paypal account and the emails from paypal. I am also reporting that the issue with unable to contact credit beaureaus ( XXXX XXXX XXXX ) to request a fraud alert on the accounts needs to be investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-30
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
This number is the original case number issued by CFPB. Equifax closed XXXX credit card account from XXXX as they should have. Now, it shows Open with XXXX balance which the balance would be correct due to the XXXX sent by XXXX. 
Another XXXX credit card was removed from the credit report. It has been put back on one week later. The balance of XXXX and the card being closed is correct. So, why is it back one week later. 
I 'm beginning to think the only way to correct this is through an attorney. I have all documents both mine and Experian 's. 
They also have incorrect information on my wife 's which mirrors mine. A complaint has been submitted on her behalf but no answer. CFPB 's XXXX re : XXXX XXXX XXXX. 
Again, it appears an attorney is going to be needed, which I am prepared to do. Experian has injured my credit score without any sent information and I am tired of them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I am been calling for 3 weeks trying to get the rental collection information changed to XXXX and the XXXX XXXX has my rental report has put through a dispute to them asking them to correct the information - it has not been done they are not responding through the portal. I have talked to two agents at XXXX XXXX - both of them said they would have the information updated that day and respond through the portal to XXXX but it has not been done. One of the agent 's at XXXX XXXX was named XXXX. I notice this company shows the name as Experian XXXX XXXX. Experian XXXX out the account weeks ago so if they are affiliated - WHY hasn't XXXX XXXX taken care of this also? 
They hold the power by reporting incorrect information to damage a person 's life and there is enough mayhem and stress on everyone because of the pandemic, I should not have to go through this.

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 2020-03-16
Company: Hillcrest Davidson & Associates
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
About at least two week ago, Hillcrest Davidson and Associates called me to inform me that they will take legal action if I do not respond in a timely matter. Afterwards, I contacted Hillcrest Davidson and Associates, and I was put in touch with a debt mediator. Her name is XXXX XXXX. Her number is ( XXXX ) XXXX ; ext. XXXX. Ms. XXXX told me that I have an outstanding balance of {$1600.00} dollars. She offered a settlement of {$500.00} dollars. I asked Ms. XXXX if I can send {$500.00} dollars in monthly installments. Ms. XXXX said that I could and asked me how much I can send. I told her that I can send her {$100.00} dollars a month. Ms. XXXX declined. Ms. XXXX want to settle the debt quickly, so Ms. XXXX offered {$250.00} dollars a month. I agreed. The problem is I'm currently unable to pay the first payment of {$250.00} a month because I don't have enough sufficient funds to pay the first payment of {$250.00}. I don't have enough sufficient funds because I was paying my household bills and other expenses to other debt collectors. I don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I'VE TRIED REACHING OUT TO THE BUREAUS LETTING THEM KNOW ABOUT THESES INACCURATE FINDINGS. THEY CONTINUE TO VIOLATE THE FCRA AND THE FDCPA. PLEASE SEE THE ATTACHMENT THE CREDIT REPORT SHOWING THE PROOF OF DELETIONS. 
PLEASE NOTE THAT I'VE ALSO REQUESTED THESE UNAUTHORIZED INQUIRIES TO REMOVE FROM THIS FILE. PER FCRA FOR INQUIRIES THAT I DIDN'T AUTHORIZE, MEANING THAT ARE NOT TIED TO ANY OPEN ACCOUNT. 616. CIVIL LIABILITY FOR A WILLFUL NONCOMPLIANCE 15 U.S.C 1681n. 
In the case of liabilty of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: WELLS FARGO & COMPANY
State: OR
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 went to see about buying a new vehicle. At that point I gave the dealer the authorization to run my credit once to see what I was approved for, but in return they ran my credit with multiple banks and or had the banks run my credit without my authorization. This in turn has given me over 41 hard inquiries on my credit report between XXXX, XXXX XXXX and XXXX which i can not recover from. I would like these hard inquiries removed because they were not authorized by me. From my understanding when you buy a vehicle it is supposed to be counted as 1 single inquiry but in my case it turned into 41. I have not been to 41 dealerships to purchase vehicles. I only own 2 Dates in question are between XX/XX/XXXX XXXX XXXX 2021

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 2016-04-07
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had my mortgage payment to XXXX Mortgage set up on auto pay from my bank to insure that my payments were always on time. XXXX mortgage apparently made a {$180.00} increase to for escrow fees I was not aware of this spring and sent my XXXX and XXXX payments back. I did not XXXX this until I checked my bank statement in XXXX since I am a busy XXXX this time of year, which means the XXXX payment was reported as more than 30 days late. I immediately caught up the payments with the {$180.00} adjustment and transitioned for XXXX Mortgage to auto withdraw to avoid this from happening again. I paid my mortgage on time, it was just sent back by XXXX and they then reported the rejected payments as late to the credit reporting agencies. I never received a phone call or email about the rejected payments and they have that information, which would have allowed me to correct the error more timely. My credit has now been destroyed for 7 years for a {$180.00} escrow fee adjustment and my bank XXXX XXXX has now closed both of my business credit accounts, which will further destroy my credit. I tried to appeal to XXXX in a letter explaining the situation and my good history of payments and just got a canned cold response that they are obligated to report accurate information to the credit bureaus. The letter said to call the contact with questions and the person does not answer the phone or return voicemail messages.

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 2016-01-15
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed many times a account opened XXXX Show more Account name XXXX Account number XXXX .... 
Recent balance {$9000.00} as of XXXX/XXXX/XXXX Date opened XXXX I did not ever owe this account no one has ever showed me proof. No payments were ever made on account and the 7 years statue was up XXXX. They re-confirmed that the debt was owed and put it to stay until XXXX. Statue is from date of last payment. Experian refuses to continue letting me dispute it The law says it should not even be there

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
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: Public record information inaccurate

Complaint:
Credit Bureau ( s ) is advising they received information from a 3rd party source regarding a bankruptcy attached with my social security number and name. Credit bureau did not provide any documentation but advise we verified ... Ive asked for an investigation not to verify information. I also, have proof that I am not in any such database and my information ( social security, name, address ) has been blocked and not shared with any 3rd parties.

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all  documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

I am asking for this documentation because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

Record Type Chapter XXXX bankruptcy petition Date Filed XX/XX/2017

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 2022-10-12
Company: Linebarger Goggan Blair & Sampson LLP
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Notice date : XX/XX/2022 Amount : {$37.00} Collection agency : XXXX XXXX XXXX XXXX XXXX, XXXX A notice, dated XX/XX/2022, was sent to my mother 's place of employment regarding my debt. I have NEVER used her employer 's address as a contact or have any association with the address whatsoever. The credit originator has my home and current address ; I have received notification from them in the past. This is an act of harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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 writing to CAPITAL ONE BANK USA agency because I am having difficulties with buying a house and applying for new credit cards. I paid the charge-off and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results. I am kindly requesting CAPITAL ONE BANK USA agency to remove this charge-off ( Opened Account XX/XX/2014 ) from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: Comerica
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I try to balance my Direct Express Govt debit card account weekly. 
Only today I went online to find that someone using a XXXX XXXX has recently deducted {$420.00} in the last six days ; Between XX/XX/2022 and today XX/XX/2022. There are three users listed with this XXXX XXXX two of them using the same web address.

Using this app people deduct small increments ( {$1.00} - {$2.00} ) numerous times over two or three days. Then they change the username on the app. 
I immediately file disputes and have canceled the card requesting a new one. 
Information : 1. XXXX XXXX XXXX XXXX  FL UNITED STATES OF AMERICA . 2. XXXX XXXX XXXX XXXX  FL USA . 3. XXXX XXXX XXXX  XXXX CA XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Have a Hardest hit Mortgage refinance federally backed through XXXX XXXX XXXX XXXX it was switched to Select Portfolio Services. They have us behind 1 payment despite submitting documentation for 18 months on time payments. Still have us marked as inpaid.Again I have documentation THEY WILL NOT ADHERE TO THE FEDERAL XXXX XXXX XXXX  PAYMENT PLAN WHICH IS INFORCEMENT UNTIL MORTGAGE ENDS .They are being predatory during the Pandemic and have ruined our credit by reporting us behind despite documentation we have paid they say they do not have uphold the XXXX XXXX XXXX  Mortgage and have changed set payment we have continued to pay monthly they are now being predatory threatening foreclosure also the lender Select Portfolio Services refuses any Pandemic relief help they are being arbitrary just wont work with us and treating us lower impuning us because we are on XXXX XXXX XXXX XXXX again they have changed the rates from the hardest hit guideline from our federal loan.They threaten foreclosure have ruined our credit by not properly applying our payments of which we have proof has been paid timely We need help asap!! 
They have added on fees above the hardest hit standard which has not expired and again are being predatory and refuse to even follow guideline for the Federal Pandemic. 
Please Please. 
Please help. 
It has become predatory calls daily, threats during the Pandemic, next most important 2 facts ..they will not ADHERE to the federal loan they took over and 2nd we are not behind we have proof we have paid they keep tacking fees and threatening us and ruined our credit completely on false reporting. 
Please. 
Please. 
Please help XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX ( XXXX ) XXXX Lender no choice of ours Select Portfolio Services Utah HELP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I am writing in regards to my Coinbase Account. 
XX/XX/XXXX : I tried accessing my account had to reset my password. I could not get into my account after resetting my password. 

XX/XX/XXXX : I tried accessing my account again on XX/XX/XXXX and I was asked to submit my Drivers license and photo for verification purposes. After submitting these forms of ID right away ( XXXX ), I received an email that the company was unable to verify my ID information with my account. 

XXXX XXXX : I submitted my IDs again for verification and received the same response that they are unable to verify the information I supplied with my account. 

XX/XX/XXXX : I received an email from Coinbase Support XXXX and a case number was provided to me ( case # XXXX ). They say, " Our team is working hard to answer customer inquiries in a timely manner, but you may experience longer response times. '' I have read through any tips provided on the help sites to trouble shoot anything that could be related to the verification process, but have not been successful. 

Thank you for reviewing my complaint -XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-04
Company: I.Q. DATA INTERNATIONAL, INC.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I and my boyfriend moved out of an apartment we were told by our landlord that we would get an itemized list and move out report from her in a couple days, we never received XXXX, I sent a text message to our landlord after I had received a notice from a debt collector that I needed to pay an almost a XXXX XXXX dollar balance for our stay. I then asked my landlord when she would send out the itemized list and move out report which to she replied that she had not sent it out and would the next day. It has almost been a month now since we had moved out of the apartment and I still do not have any verification from my landlord or the debt collection agency, I had sent the collection agency a written notice that I disputed the debt and that I want to be contacted only via written notice, and for them to not call my phone. The collection agency has ignored this and has not sent anything via writing to my dispute and has instead continued to call my phone over seven times a day repeatedly.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: ONLINE Information Services, Inc.
State: FL
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 have a bill for progress energy that already paid and know I get some phone calls for a collection agency to paid this bill again. I get some harassment calls with treated and legal issue. I get call on my cellphone all the time even during working hours and after dark. I am on the do not call list and still getting calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: CURO Intermediate Holdings
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I contacted XXXX XXXX XXXX  about my Speedy Cash account of {$1100.00} that was sent to collections. On XXXX XXXX i contacted XXXX to settle out the account in the amount of {$680.00}. At that time i was told the account would be deleted or removed. Which it has not. I filed a dispute with XXXX  and called and i keep getting call the collections, call XXXX. I have a paid in full letter. But not deletion letter. Please help trying to purchase a home, and it needs to be removed.

Company response to consumer: Closed with explanation