BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: AR
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:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXX, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX XXXX XXXXXXXX XXXX Balance : {$570.00} Equifax XXXX XXXX XXXX XXXX Balance : {$980.00} XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$980.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-11
Company: USCB Corporation
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company was found on my credit report and I did not receive any 30 day notice, any disclosure to my physical address. They do n't have a court order, verbal express consent or written consent with my authorized signature to report 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
Consumer complaint received 2016-11-10
Company: Credit Central Holdings, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I owe them money from a loan and I am unable to pay the past due and current amount due. I asked to set up a payment arrangement and they told me I could only do that if I became current, which makes no sense. They have also left a note at my house where they came by. They call repeatedly throughout the day on my cell phone, work phone and my moms home phone. 

I have sent a letter asking them to stop calling and to not come to my house. So far they have yet to stop calling. I asked that they send me another set of the loan agreement as I misplaced mine and to only contact me in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: CO
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:
Remove these names immediately from the personal information section on my credit file. I have NEVER been known by these names! 

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 XXXX XXXX XXXX XXXX XXXX Remove these addresses from my credit file under the personal information section on my credit file. NEVER lived there! 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-05-25
Company: Genesis FS Card Services, 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: Account status incorrect

Complaint:
The following late payments are billing errors pursuant to 15 USC 1666b XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Frederick J. Hanna & Associates, P.C. (closed)
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The collection agency, F Hannah, XXXX, GA began a wage garnishment without proper notice, proper verification of debt, and without verifying ownership of the debt. I found out about the garnishment by mail from my employer, 5 days before it was to take effect. I finally received a letter by regular mail on the date it took effect, XXXX/XXXX/16. I filed a traverse, however the judge XXXX XXXX of GA State Court, XXXX County, Ga, showed bias to the plantiff, and ignored the GA State Code requiring delivery signature to be filed with the clerk of court within 3 days of filing the garnishment. He denied the traverse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My wife and I have made every single mortgage payment for 11 years, XX/XX/XXXX OCWEN increased our escrow amount without notification and the payment we made was short when we were notified by phone the second payment was short we have since corrected the issue and in fact was issued an escrow refund. Now after looking into the purchase of another home we find that our credit report shows 3 late pays. I have contacted OCWEN on three different occasions and they stated they would remove this from our credit report and still as of today XXXX XXXX, 2016 it is still on our credit report. This has negatively impacted our ability to refinance and get away from this predatory lender and now I am asking for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: Risecredit, LLC
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I viewed my credit report and find a lender " Rise '' on my report. My identity was compromised through XXXX. All Clear ( credit protection ) called to let me know " Rise '' was inquiring about my credit. I called " Rise '' and they said they are an on line company from Texas. I did not apply for a loan. The loan was denied due to some information not measuring up. This is a Hard Inquiry on my credit. I need to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: Radius Global Solutions LLC
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My wife attended a XXXX and still has some debt we have been paying on. Recently a third party contacted us requesting a payment plan or a settlement in full. Finding this kind of fishy we contacted her school loan company ( XXXX ) they informed us the debt had not been transferred to another company. Knowing it was a scam I assumed they would leave us alone. They have now emailed documents to prove there legitimacy which is joke as the debt and names on the paperwork is not accurate. I am hoping to stop these guys from hurting anyone else that might fall prey to their scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: The Receivable Management Services LLC
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
RMI has called multiple times after XXXX, even after XXXX, despite being informed that the matter is contested - charges for medication insurance ( after date of cancellation ) that had been cancelled because the insurance had ceased medication coverage! RMI was told the billing was contested, with request for the names of their officers/owners and those of XXXX Mmedicare RxSaver Plus PDP who apparently sent them the bogus charges and instruction not to contact me again until that information was provided. Not only has RMI not provided the requested material. Not only has RMI continued to contact me, but now they are repeatedly contacting me after XXXX. When their telephoning individual is informed that they are calling after XXXX, they are refusing to terminate the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-23
Company: Paypal Holdings, Inc
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I Have A Paypal Account And I Have Had It Every Sense 2014 And I sold an item around XX/XX/XXXX On Ebay and I Sent A Invoice And When I Went to my Paypal Account To See If The Buyer Had Paid There Was A Message Say You Account Has Limitations For An Unauthorized Transactions So I Contacted PayPal And Talk With Several People They Was No Help Some Of Them Had Nasty Attitudes And Was No Help So I Want You 'll To Investigate This Matter Because I 'm Getting The Run Around And It 's Not Fair

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: Dynamic Recovery Solutions, 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 is not mine

Complaint:
I received a letter from a debt collecting agency named Dynamic Recovery Solutions XXXX. XXXX XXXX XXXX, SC XXXX saying that I owe a debt of XXXX and would settle for XXXX. I reached out to the named creditor on the letter and they informed me that there is no such debt. I am also receiving unknown calls from local number that I have not answered but know that they have been calling constantly. I am very concerned that my information has be phished by this corporation and an act of fraud is being attempted in order to receive funds from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-30
Company: I.C. System, Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I changed XXXX in XXXX 2013 from XXXX and to do this I owed a balance of {$300.00}. This same day I went down there and paid the balance. I had been in a continued argument with the office manager XXXX. Apparently to get even she sent this bill off to collections when it was n't even past due nor late. I paid it the same day! I will include proof! I have been fighting for over 4 years to get this off my credit report that they have reported it to. Not only that the collection agency they sent it to is still reporting it as bad credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 conducted a review of my credit report, and I noticed that your agency showed two ( 2 ) credit inquiries that I find to be problematic. 
The first inquiry in question was apparently made by you on XX/XX/XXXX and I have no recollection of doing any business with XXXX XXXX. 
I contacted XXXX XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
The second inquiry was made by XXXX XXXX on XXXXXX/XX/XXXX and should not be showing on my report either. 
Please investigate these inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter

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 2016-12-23
Company: ENCORE CAPITAL GROUP INC.
State: RI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received a writ of execution Goods, Chattels, and Real Estate. This does not belong to me, its my sons. Received 1st notice from Midland funding ans asked them to confirm which XXXX this belonged to they never responded. Now i get this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-08
Company: Paypal Holdings, Inc
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
PAYPAL ... PAYPAL ... PAYPALI am sure you know that paypal holds moneys from small sellers at will by setting up their own policies for disbursements. It is supposed to be for the protection of buyer and seller, but it is really just a scam to increase their balance in interest bearing accounts. For XXXX sakes, how long are you going to allow this practice? If it 's legal to do this because they are not really a bank, then at least bring it out in the open. I am XXXX years old and trying to augment my Social Security payments and they are squeezing me.Their Corporate Chief Legal Counsel works on " human rights '' pro-bono. What a morbid joke! 
XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: Paypal Holdings, Inc
State: WI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Paypal limited my account on XXXX XXXX, and would hold my cash balance of {$2700.00} for 180 days. And I was told this action was not appeable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: Paypal Holdings, Inc
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
PayPal has locked my account, i.e. refused access or approval of available funds, at least 3 different times within the past two weeks. The PayPal account I have is designated as a business account ; however, once funds are deposited from normal customer sales I expect to be able to use the funds as needed, business and personal expenses. Since XXXX XXXX, 2016, two of the instances when PayPal 'locked ' my account and prevented access to my funds was because they saw numerous uses of XXXX. I explained to PayPal that I have no other access to transportation where I live and in my health condition ( bus stop a mile away and I have XXXX ). I explained further that in addition to my using XXXX, both of my kids are using XXXX using the same account. So elevated XXXX usage is justified. 

The third time my account was locked PayPal said that I needed to verify my 'existence/identify '. My account was 'locked ' preventing access to available funds until I uploaded, my driver 's license, a utility bill, shipping receipts, business information, supplier information, and invoices. At the time, my daughter needed an XXXX to get home but could not because the account was locked. She was stranded, causing a potential safety issue and cause for alarm for me! 

My complaint with PayPal is the random locking of my account preventing access to MY MONEY! This is n't prevention of fraud, this is PayPal dictating my purchase patterns which should be beyond their authority.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-04
Company: Flagstar Bank, N.A.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I pulled my credit report and there was an account from Fagstar which I never had I have made several attempts to get this resolved because i was a victim of identity theft but nothing has been done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: U.S. BANCORP
State: OR
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
RE : Elan Financial Services Cardmember Services XXXX. XXXX XXXX XXXX, ND XXXX I had the worst possible experience with Elan Financial Services. I needed to exceed my credit limit this one statement cycle, because an immediate payment was necessary to a travel agency for a trip booked within less than 90 days. 
Elan rejected it, because it caused my credit limit to be exceeded. 
Understood. 
However .... 
After spending hours, almost the entire day of XXXX XXXX, 2016 back and forth on the phone with them being given false promises, complying with their every demand and going out of my way to accommodate their unreasonable requests ( like faxing the last two years of our taxes ), they still did not allow a credit card payment to go through. I even gave them the routing number and account number of my online savings and offered to pay what was already posted for that month + what the new charge would be - immediately, before the new charge even posted. 
They would n't even allow me to do that! 
I had no recourse. Furthermore, I was strong-armed into applying for a permanent credit line increase, which I neither need nor do I want. They were, in essence, messing with me. 
BTW, I have never carried a balance in my life and I 'm XXXX years old. Our credit rating is exemplary. 
So, I 'm having a hard time letting this rest. My first question to legal counsel here was about whether Elan Financial Services had the right to require faxing of my tax forms. He said that he had never heard of that, but that a credit card servicing organization is, technically, a creditor, so maybe they do have that right. In regards to your question below, I neither hired an attorney nor filed legal action - yet. I paid for counsel and my lawyer advised me to file a report with the CFPB. 
I posted the payment to another credit card before day 's end, but that lost me points in cash-back, hence the {$110.00} that I am claiming as damages. That 's all I 'm claiming ; however, further damages are to my XXXX score because of an unnecessary hard pull, which has no intrinsic value attached to it, I guess, but the cost in terms of my time and aggravation is over the top. 
I ca n't even begin to describe how rude and disrespectful they were to me. 
Thanks for your attention to this matter.

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 2015-08-14
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received a phone call from a debt collector threatening to take legal action against me. She advised me that if I did not pay the amount owed, that a warrant would be issued for my arrest. She is using empty threats to collect a debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was trying to do purchase on ebay and pay through paypal and actually the seller is Paypal ( Paypal digital gift cards ) and all my transactions are declined for straight two days ( XXXX/XXXX/2016 and XXXX/XXXX/2016 ) When I contacted them they said they issue is resolved and when I tried it again it did n't work. Then I called them again and talk to supervisor named XXXX ( ID : XXXX ) and first level support is better then this guy answers. Some of the answers are given by him are hilarious 1. " If your transaction keeps failing then you should not buy that product ''. - Paypal ca n't dictate me what I can buy or I ca n't buy. 

2. When I told him that I wasted lot of time calling you guys multiple times- His reply was " I did n't told you to call Paypal ''. If there is a problem then I need to call Paypal that 's why there is a customer service. He is implying do n't call customer service if there is a issue. 

3. He told Paypal ca n't guarantee a transaction I told that is fine but when there is a issue can you at least try to solve it he said " If the system thinks there is a security issue we ca n't do anything about it ''. When I asked when the issue will be resolved whether 1 day, 1 week, 1 month he said he do n't know and issue may not be resolved ever as well. 


I am not sure how such a guy has been appointed as supervisor and still continuing to do so. 

If paypal want to sell gift cards @ promotional price to only few customer then they should do targeted advertising. If they advertised in public then they should honor the purchase and should not block people based on the profile using security as shield to protect them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: Experian Information Solutions Inc.
State: LA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 Credit Bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to be investigated and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : XXXX XXXX XXXX Balance : {$7500.00}

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