BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-16
Company: Resurgent Capital Services L.P.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
LVNV Funding LLC attempted to sue me for a debt originating from XXXX XXXX XXXX in XX/XX/XXXX. I called to pay the debt to prevent a judgement on my record. I was told I had to now contact the Law office the contracted to handle the lawsuit. I called XXXX XXXX XXXX  on XX/XX/XXXX to pay the debt. I was offered a settlement in full of {$500.00}. I accepted only after I asked if they were permitted to offer settlements on behalf of LVNV and they said yes. They also stated that this debt would be cleared and could not be sold or collected on after this payment and would be dismissed in court. There calls are recorded therefore proof of this conversation can be obtained.
I paid the debt right thenXX/XX/XXXX via check by phone ( see attached cleared check ). I received a letter from XXXX XXXX XXXX stating this debt was settled in full ( see attached letter ) onXX/XX/XXXX. I have waited for my reports to update and now LVNV is reporting that I still owe this debt in the amount of {$270.00} the difference of the settled in full offer I paid. They are reporting this amount to XXXX and XXXX and are still reporting the full amount owed of {$770.00} to XXXX. I have tried contacting them with no avail. This debt was paid and to be removed according to they law office they contracted to sue me. I will still have to appear in court onXX/XX/XXXX to make sure they actually dismiss this case, because now I believe they will still try to obtain a judgement due to their wrong collection processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
There is old information on my credit report and i feel something has went wrong on equifax my score has dropped XXXX points for one late account that im a cosigner on

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
The issue is overcharge and unreasonable. 
1. I purchased air ticket online which is {$990.00}. But charged {$1100.00}. I contacted America Express many times, and not to solve. Overcharged {$200.00}. I booked hotel, and I cancelled already. I informed America Express to stop payment also. They charged me still. I contacted America Express many times, and not to solve. Unreasonable charged $ XXXX {$49.00}. ( {$49.00} is for foreign transaction fee ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 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 claim this account is 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove this account from my file. XXXX XXXXXXXX

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 2021-12-12
Company: Conn's, Inc.
State: NC
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:
Account name CONN XXXX XXXX Date of request XX/XX/2021 I have an inquiry on my credit report for an activity that was not initiated by me. Conn 's XXXX called me to say that they suspected fraud and to confirm if the application actually came from me. They verified that certain things on the application did not match my info and said they would mark it as fraud and not report an inquiry on my credit report. But when I pulled my credit they did report hard inquiries on my credit reports. According to Conn 's Someone went online and tried to order a laptop from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-27
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Complaint : PNC Bank unable to access funds Former XXXX Compass customer, now forced to bank with PNC since the conversion on XX/XX/2021. 
We had XXXX accounts with BBVA of which, only XXXX have been rolled into PNC. We are unable to access a savings account with over {$16000.00} for now going on XXXX weeks. 
I have contacted PNC XXXX times a week spending close to XXXX hours to try to get this problem corrected. I have spoke to dozens of PNC employees and was continually told " Funds will be available in XXXX days '', Finally assigned a customer representative XXXX weeks ago, have been assigned a XXXX XXXX, however, I still get the same response, " Funds will be available in XXXX days ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have been working with Experian for several months now and for the most part that have been responsive but I dont understand the responses they sent. I am simply asking for the removal of the late payments on a few of my accounts and they keep responding saying that the information has been 'verified ' but no other information. I am confused because I am sure that the information the are recording is not at all correct. For one thing XXXX has removed the XXXX Bank card because they found that they could not match my information with the ones they had on file and I thought that all of the bureaus report the same information so if XXXX removed it, why doesnt Experian? There is also a XXXX XXXX Bank account that has several late payments I dont think should be there. There is an XXXX account that XXXX deleted because they couldnt find evidence that the account was mine so why wont Experian? This goes back to me feeling like the bureaus are all reporting the same information and its confusing to me. I also see they added a collection from XXXX that doesnt seem to be on any of the other bureau so I am surprised that this is on here at all. There is no evidence of past due history or proof of sale or anything ... .I dont know where this came from at all! I really need some help here.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-13
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
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:
I received a voicemail from a XXXX number on XX/XX/2020 and that her name is XXXX XXXX and she explained that she is calling about a case that is being filed to my county office. She said by law she was making me aware that case # was being filed with the county and becomes a matter of public record & there is an order for my location. Since she could not reach me by phone she has been instructed to call my employer & speak to my supervisor since this will be the best place of locating me. She said I have the legal right to contact the proceedings office that is handling my case but I have to speak with them before my case gets filed because once my case is discharged from there office my legal rights are forfeited. The phone # to their office is XXXX. I have to speak to someone in their legal department and this is considered a legal notification to locate me. So I called XXXX and they asked me my name and case #, social security # and proceeded to tell me that I have an outstanding debt with Ace Cash Express and that they going to start proceedings against me and asked where I work and if I have a lawyer to put on file. I told them I never heard of a company doing this before and I will not comply with them. My boss texted me that morning and said that they called her asking if I work there, what is my home address and phone #. They also told her the case # and that they were going to send a sheriff to locate me and that I am in contempt and have allegations against me. I was extremely applaud by this manner. Even after they knew where I lived and I had never received any letters or anything from this company. I should not be threatened that I have allegations against me or that a sheriff will come for me over a debt. I am extremely upset they told my boss all this information and again told her there is allegations against me over a debt as well. She did not comply with them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am not an attorney nor a third party I am filing this complaint due to a previous complaint that was never addressed by the credit bureaus. I have filed a police report over the fraudulent account from XXXX XXXX XXXX # XXXX. Plus there was some information on my report that is inaccurate. I am in the process of starting my new business and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 605b, 623, 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute is listed XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX  XXXX I have a copy of my ID and SS Card for verification purposes. 
Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX, OHXXXX XXXX XXXX, OHXXXX XXXXXXXX XXXX XXXX XXXX XXXX, OHXXXXXXXXXXXX

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 2023-07-22
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND INQUIRIES THAT HAVE BEEN PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRIES DOES NOT BELONG TO ME AND IS IN NO WAY RELATED TO ANY TRANSACTIONS THAT HAVE BEEN MADE BY ME. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
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:
SOMEONE USED MY PERSONAL INFORMATION TO OBTAIN CREDIT FRAUDULENTLY. I WOULD LIKE THESE ACCOUNTS TO BE REMOVED FROM MY FILE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
Dear sir or madam, This is regarding my PayPal account created in my name : Registered email address : XXXX My account was permanently limited, stating that my account is in violation of PayPal 's  own Terms of Service. I tried to explain it to them, but they will not listen and will hold my money for 180 day. 

At this time I have over {$600.00} in the accounts and I want my money NOW, not in 180 days. This is my money and I should get it immediately. To me {$600.00} is a lot of money and quite a hardship that they are keeping it. 

I already filed a complaint with the XXXX  and Paypal took an month to respond to me. And their response was not satisfactory. All I received is a vague explanation about why they suspended my account, but they didn't address the main issue. I want my money NOW not in 6 months - This is my money and I should get it immediately. 

Please help me. 

Thank you, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This account is on my credit report, Does not belong to me, I called XXXX and was told there is nothing that can be done today, I have to mail a letter to their consumer affairs department. There are multiple accounts on my report, as well as employment info and address info I will continue to call the creditors in effort to get the false info removed Account Name XXXX Account # XXXX Account Type Conventional Real Estate Loan, Including Purchase Money First Date Opened XX/XX/XXXX Account Status Closed Payment Status Foreclosure proceeding started I have attached a copy of some of my Credit Report from Experian. I have never lived in XXXX Oklahoma, any info regarding that is false

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 2021-12-12
Company: Experian Information Solutions Inc.
State: NJ
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:
There are some accounts on my credit report that I do not recognize

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 2022-12-17
Company: Shellpoint Partners, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX Shellpoint Mortgaging Services acquired my loan from XXXX XXXX XXXXXXXX. When I had the loan with XXXX XXXX XXXX XXXX XXXX  ) there were fees in the amount of {$2300.00} that remained on the loan when my house came out of foreclosure. These fees were added onto the back of the loan and I was told they wouldnt have to be paid until I paid the loan off. I continued to make payments and the {$2300.00} remained on the back of the loan. When Shellpoint took over the mortgage they started trying to make me pay it, instead of leaving it on the back of the loan they started adding it to every bill under past due fees, in addition they also stopped me from paying additional principal online and when I asked why they said it was because I owed past due fees. I have no prepayment penalty so it was established that whenever I sent in a payment over the payment amount that any money over the regular mortgage payment would be credited towards the principal. This worked out fine from XX/XX/XXXX- XX/XX/XXXX. When I sent XXXX payment in the amount of {$1700.00}, it arrived on XX/XX/XXXX instead of applying {$750.00} to the mortgage payment and {$1000.00} to principal. Shellpoint took a payment for XXXX and another payment for XXXX and applied the {$280.00} remaining to the principal. I called them and told them I wasnt making two payments and they needed to reverse the payment they applied to XXXX and apply it to principal. They reversed the payment and applied it to principal on XX/XX/XXXX when it should have been applied effective XX/XX/XXXX when they originally received the payment. I also talked with a supervisor who assured me she was notating my account that amounts over the mortgage payment were to be applied to principal. When the XXXX statement came out I noticed they had an additional bill in the amount of {$2300.00} for the fees that were in the back if the loan due on XX/XX/XXXX. I called them immediately and said that fee was to remain on the back of the loan and I wasnt paying it. Shellpoint told me if I looked at the statement I would see the coming payment for XXXX was {$750.00} and no additional fees would be taken out. On XX/XX/XXXX I called Shellpoint to notify them a large payment in the amount of {$5300.00} was coming and I wanted the XXXX payment for {$750.00} applied and the remaining amount {$4500.00} all applied to the principal balance. The representative said she was notating how the payment on my account was to be applied per my instructions. On XX/XX/XXXX I logged into my account and they applied {$750.00} to the XX/XX/XXXX mortgage payment, applied {$2300.00} to the fee that should remain on the back of the loan, and applied {$1400.00} to principal. That is incorrect and Shellpoint cant make me pay fees in the amount of {$2300.00} now when they go on the back of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am sending this complaint because I still believe there are some errors on my credit. I would like Credit Bureaus to verify the information below and verify that its not untimely, inaccurate, unverifiable, or incomplete. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) Please evaluate the following items : XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$470.00} ; NOXXXX XXXX Balance Owed : {$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 explanation
Consumer complaint received 2022-07-21
Company: Experian Information Solutions Inc.
State: FL
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:
make my payments on time and had a stellar payment with this company. But upon checking my updated Credit Report, I noticed that this account is reporting erroneous information on my Credit File. I have been sending multiple letters to the Credit Bureaus requesting that they investigate and correct this erroneous reporting. But despite all my efforts to communicate with the Credit Bureaus, I came to a conclusion that the Credit Bureaus have been ignoring my letters by not updating this account. I am now submitting this complaint through the CFPB in hopes that the Credit Bureaus would take action andpay heed to my disputes in order to correct this errneous reporting. 
XXXX XXXX Balance Owed : {$920.00} Date Opened : XX/XX/2015

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 2016-05-02
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
EXPERIAN has failed to provide me with a copy of any original documentation for example, a consumer contract a with my wet-ink signature on as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act. 

Please be advised that EXPERIAN HAS NOT under Section 611 ( 5 ) ( A ) of the FCRA - EXPERIAN are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section XXXX or can not be verified. '' Copies of copies are not a form of Validation, and by Law are not considered proof. Under the Fair Credit Reporting Act, unverified, invalid accounts must be removed. EXPERIAN is unable to provide me with a copy of the verifiable/validated proof that you have on file, within 30 calendar days from receipt of this notice, by law you have to immediately remove the aforementioned item in dispute from 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