BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
Company: Paypal Holdings, Inc
State: NY
Product: Credit card or prepaid card
Sub-product: Student prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I receive a call from a caller ID of the fbi saying I was involved in a trafficking crime and they had my address and phone number I was told that I had to make a payment to the family of girl who was taken for XXXX but to deposit {$1000.00} I was very scared and nervous idk what to do I made a XXXX decision and made a payment on PayPal to the so called family lawyer that was pressing charges on me for XXXX to be exact I really would like some help that money is all I have for my college tuition and expenses this fall semester PayPal disregard my claim and let the payment go through I really made a terrible decision and a look like a fool I very embarrassed but I asking humbly for help receiving back my money for college. The scammer told me to choose and write the family option that why its on there I praying for a miracle right now for help if dont have that money I wont be able to go to college this year. I no biological connection to that man whats so ever he impersonated a federal agent and try same I was convicted of crimes for XXXX XXXX XXXX I really need some help big time. After that I ended up changing my phone number and contacts information its very hard by myself and I made stupid mistakes I hope to learn from this and move on so this never happens to me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My chime account was closed without my permission and then when I called to ask why they closed my account no one could explain. I need received my funds from my account. I had XXXX in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ).

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.

It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXXXXXX Date Opened : XX/XX/2014 Balance : {$0.00}

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 2022-06-21
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has harassed myself, my family, employers and inexcusably my XXXX daughter by threatening her recently that if I don't pay the debt, she will lose everything. I don't agree with the debt amount, and I attempted to settle in XXXX of XXXX for what was the original credit amount of {$850.00}. I explained to them the card was used fraudulently they had zero interest in working with me and wanted full amount of some inflated number. Since that date they have called me numerous times from numerous of numbers and consecutively. They have impaired my ability to get employment and have exasperated my mental and physical health. I filed an answer to their fraudulent claims earlier this year and requested details on how the balance was able to exceed my initial credit limit of {$850.00}, which was never provided. They ignored it and the harassment has continued. I have been on XXXX since XX/XX/XXXX with XXXX and XXXX XXXX in addition to an array of additional symptoms. They refuse to be reasonable, and again the harassment has continued. For example, on XX/XX/XXXX, they called me from a Michigan number 5 consecutive times within a minute. On XX/XX/XXXX, they called 6 times within XXXX minutes. Finally, they had me served today, XX/XX/XXXXXXXX XXXX XXXX, with the latest of their inflated amount and yet no information on how it got to that balance. What makes matters worse is they did it in a way as if they were delivering a XXXX 's XXXX gift to me, which all I have been through these past XXXX years health wise would have been uplifting. As mentioned, I am dealing with XXXX and XXXX and this latest antic crossed the line in my opinion. I understand they are a business, and a difficult one in that, but that does not excuse them to be unprofessional, manipulative and dishonest. The debt is supposedly to me, but they want to manipulate and harass my daughter, family and references of mine that somehow have procured and then mislead me on a very important day for me. Of course, I am not expecting them to know my health status but to deliver it on XXXX XXXX  which they know I have a daughter as they have already harassed her multiple times! Luckily, I happen to have family at my residence when they served me today as I went into a dark place emotionally for a brief period but having family and this avenue to make a complaint helps as it is somewhat therapeutic. Thank you for taking the time to listen and hopefully this can help prevent another individual or family from having to experience their manipulative tactics.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2022 I was in an accident with my vehicle my insurance company deemed it a total loss. I paid my car note to Wells Fargo auto loan for XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX the insurance company received the full amount for the car to be paid off. I also received money from Wells Fargo auto loan for overpayment after they received the checked from my insurance company. Yesterday I woke up to many alerts stating that I didnt fulfill my auto account and Im 60 days past due. Im in the process of moving this has dropped my credit score tremendously. This was an error on their end.

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 2022-06-21
Company: Capio Partners, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
They are the scammers who took my card information and get in to my computer without my permission. I did not receive any information from them and they are not picking up my calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-21
Company: Mortgage Lenders Investment Trading Corp
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage with RP Funding in XX/XX/2021. I did get a letter in XXXX stated that my loan has been sold and RP Funding would be my servicer. I have paid my mortgage on time but I have never received any statements and I have sent XXXX letters asking for paperwork showing receipt of my mortgage payment. The worst part, my mortgage is not on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act ( Account : XXXX XXXX XXXX  Account # XXXX ), has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08
Company: REVERSE MORTGAGE INVESTMENT TR
State: CO
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
never was late on anything, so was talked into getting a reverse mortgage, a new car, and was told I'll be getting a check for life for oil. I'm a single senior, and because I was talked into this I was charged fees for the reverse mortgage, Very High interest rate, so won't be able to pay off my home as soon as I had wanted to. Had absolutely No Problems paying my mortgage, but now I'm SO STRESSED over having to pay about double of what I used to pay, before this reverse mortgage. Can't rest thinking on paying over nine hundred dollars a month in interest, and was told I don't need to pay on the principle. I burst out crying, because they are trying to take my home away from me, my children and grandchildren. Being a XXXX female, gone through many trials and tribulations I never imagined my home would get taken away from me. I need things back as they were. They offered to help me for 6 months, and then I'm on my home but what can I do after 6 months with a new car on my credit? I was promised {$500.00} or {$600.00} in an oil deal, but nothing as yet has come of it. This is the reason I was talked into getting the car, so I depended on paying it with what I get from the oil deal. I'm SO DISTRAUGHT, I don't want to accept their money!!! I want my home back the way it was!!!

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 2022-06-06
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Servicing company, which is owned by original lender, is threatening to impose a flood insurance on my XXXX floor apartment. Documents have already been provided even though they should already have them as they were the original lenders and all documentation had to be in place in order to get a clear to close. Further, after receiving these threats via mail, emails were sent to address the issue and automatic responses from them said they would respond within XXXX, but never did. Yet i continue to receive mail threatening as final notice that a new policy will be put in place and i will be responsible to pay.

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 2023-03-08
Company: Experian Information Solutions Inc.
State: MS
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:
Under 15 U S code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate it lists Child Support Court as the furnisher that's forgery and misleading when the courts don't report this type of account.

15 U.S.C. 1681 section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681 s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
XXXX : XXXX ; U.S. Department of Education XXXX XXXX XXXX XXXX Formerly XXXX : XXXX ; XXXX XXXX : XXXX ; XXXX Dept of Human Svc XXXX : XXXX ; US Dept of Education : 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 2022-04-23
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE BEEN DISPUTING THESE ACCOUNTS/COLLECTIONS FOR YEARS WITH XXXX, EQUIFAX, AND XXXX. I HAVE PROVIDED POLICE REPORTS OVER THE YEARS IN WHICH THE CONSUMER REPORTING AGENCIES VERBALLY STATED THEY DO NOT KEEP ON FILE. AS A VICTIM OF IDENTITY THEFT I FEEL MORE LIKE THE CULPRIT. I AM EXHAUSTED WITH THIS PROCESS AS THEY CONTINUE TO IGNORE MY DISPUTES AND MY REQUESTS FOR THE ORIGINAL DOCUMENTS THAT ARE FURNISHED BY THESE CREDITORS AND THEY REFUSE TO DO. I HAVE BEEN TOLD THEY ARE NOT ENTITLED TO PROVIDE SUCH PROOF. PLEASE HELP ME IN THIS MATTER. 


COLLECTIONS/ACCOUNTS XXXX XXXX XXXX {$4500.00} XXXX XXXX  {$750.00} Dept of ED {$1500.00} Dept of ED {$670.00} Dept of ED {$3600.00} Dept of ED {$3600.00} DEPT OF ED {$1900.00} DEPT OF ED {$6600.00} DEPT OF ED {$4200.00} DEPT OF ED {$2700.00} DEPT OF ED {$2600.00} DEPT OF ED {$1500.00} DEPT OF ED {$1600.00} DEPT OF ED {$2400.00} DEPT OF ED {$2600.00} DEPT OF ED {$9500.00} DEPT OF ED {$2600.00} XXXX XXXX  I HAVE NO KNOWLEDGE NOR DID I AUTHORIZE THE INQUIRIES LISTED BELOW XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-23
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE BEEN DISPUTING THESE ACCOUNTS/COLLECTIONS FOR YEARS WITH EXPERIAN, XXXX, AND XXXX. I HAVE PROVIDED POLICE REPORTS OVER THE YEARS IN WHICH THE CONSUMER REPORTING AGENCIES VERBALLY STATED THEY DO NOT KEEP ON FILE. AS A VICTIM OF IDENTITY THEFT I FEEL MORE LIKE THE CULPRIT. I AM EXHAUSTED WITH THIS PROCESS AS THEY CONTINUE TO IGNORE MY DISPUTES AND MY REQUESTS FOR THE ORIGINAL DOCUMENTS THAT ARE FURNISHED BY THESE CREDITORS AND THEY REFUSE TO DO. I HAVE BEEN TOLD THEY ARE NOT ENTITLED TO PROVIDE SUCH PROOF. PLEASE HELP ME IN THIS MATTER. 


COLLECTIONS/ACCOUNTS XXXX XXXX XXXX {$4500.00} XXXX XXXX  {$750.00} Dept of ED {$1500.00} Dept of ED {$670.00} Dept of ED {$3600.00} Dept of ED {$3600.00} DEPT OF ED {$1900.00} DEPT OF ED {$6600.00} DEPT OF ED {$4200.00} DEPT OF ED {$2700.00} DEPT OF ED {$2600.00} DEPT OF ED {$1500.00} DEPT OF ED {$1600.00} DEPT OF ED {$2400.00} DEPT OF ED {$2600.00} DEPT OF ED {$9500.00} DEPT OF ED {$2600.00} XXXX XXXX I HAVE NO KNOWLEDGE NOR DID I AUTHORIZE THE INQUIRIES LISTED BELOW XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX 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 2022-06-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX Co Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX and XXXX XXXX XXXX Account XXXX XXXX have all violated my rights. 

15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Hello! I retained a paralegal company back in XXXX, the XXXX because I had 2 derogatory marks, both credit cards ( XXXX XXXX and chase ). They are both accounts that were open over 10 years ago and was closed over 7 years ago. I have been keeping up with my credit with all makor credit bureaus ( XXXX, XXXX, Equifax ) but the derogatory marks are still there. I believe I should have those removed from my credit report as it was a very long time ago ( and I was a child with no financial literacy haha ). I would love your help in getting those removed. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: WA
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. On XX/XX/XXXX, I sent a letter for inaccurate on my credit report but I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this account within 30 days gives reason to immediately correct the account on my credit report. They should be promptly be corrected. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately or I will file for litigation. 


XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance XXXX XXXX-Late/Open Late Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: Capital Accounts, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called Capital Accounts LLC on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. Also wrote them a letter on XX/XX/XXXX. I am trying to get an itemized bill from them for the service from XX/XX/XXXX ( which I was never billed for an medical expense ) They have not sent me the itemized bill and would not give me the address or phone number of the Company who the bill is thru. I called them on XX/XX/XXXX and they are no longer handling this debt and gave me another phone to call and I called this other phone number and no one has any record of me by SS #, DOB or name. I am trying to obtain the itemized bill to get my medical insurance company to pay the bill to a company that is no longer open and I am getting no where and this is on my credit report for {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: NY
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX xxxxxxxxxxxx XXXX CLOSED Account Status 24 % Credit Utilization XXXX XXXX Payments XXXX XXXX Age of Account XXXX XXXX  XXXX XXXX XXXX Account Status 127 % Credit Utilization XXXX Late XXXX XXXX XXXX Age of Account XXXX xxxxxxxxxxxx XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX XXXX XXXX XXXX CLOSED Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX XXXX XXXX xxxxxxxxxxxx XXXX XXXX Account Status N/A Credit Utilization XXXX Late Payments XXXX XXXX Age of Account XXXX xxxxxxxxxxxx XXXX CLOSED Account Status N/A Credit Utilization XXXX XXXX XXXX XXXX XXXX Age of Account

Company response to consumer: Closed with explanation