BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-30
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The credit reporting agency continues to report a balance on an account that is paid. They continue to verify this balance as accurate although it is not. They will not provide a method of verification. 

XXXX XXXX XXXX # XXXX XXXX XXXX , XXXX XXXX ( XXXX ) XXXXDate Opened : XX/XX/XXXXResponsibility : Individual AccountAccount Type : Installment AccountLoan Type : INSTALLMENTSALES CONTRACTBalance : $ XXXXDate Updated : XX/XX/XXXXPayment Received : $ XXXXLast PaymentMade:XXXXHigh Balance : $ XXXXPast Due : XXXX {$100.00} XXXX Pay Status : XXXX ; Charged Off & lt ; Terms : {$92.00} per month, paidMonthly for 16monthsDate Closed : XX/XX/XXXX & gt ; Maximum Delinquency of 120 days XXXX and in XXXX & lt ; Remarks : & gt ; UNPAID BALANCE CHARGED OFF & lt ; Estimated month and year that this item will be removed : 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/XXXXRating N/R X X X X C/O X X X XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXRating X X X XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXRating XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRating XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am responding to an unlawful contact about an alleged debt by Portfolio Recovery Associates of XXXX, VA in violation of the conditions of their XXXX/XXXX/XXXX U.S. CFPB consent order. I was contacted by computerized autodial telephone call from caller ID " XXXX KY '' with a prerecorded message at XXXX EST on Sunday, XXXX XXXX, XXXX that identified an unspecified debt and directed me to call XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: FC HoldCo LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Repeatedly asked representatives of this company, on more than 1 occasion, to refrain from contacting me. I also gave an alternate contact number at which the account holder could be reached. I was told by several representatives after requesting not to be contacted, that I would no longer receive phone calls. Also that my number would be removed from their records. During the most recent call I was told I would not be contacted for up to seven days, after that they would resume calls. I again asked for my number to be removed from their records but was told I have to submit my request in writing. I continue to receive phone less than 24 hours later.

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 2016-12-05
Company: AFNI 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 resulted from identity theft

Complaint:
AFNI , INC . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AFNI, INC. or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AFNI, INC. or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX XXXX XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I'm not sure if this is some mistake as I assume it to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job and it is affecting me a great deal as I use PayPal frequently to run my finances and business. The email linked to my PayPal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Have been repeatedly called by a collection company telemarketer looking for a person I do not know. I have explained this to the callers XXXX times. I have no unpaid debts nor have I ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: Ditech Financial LLC
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
DITECH FINANCIAL, LLC indicates that I have an existing mortgage with a balance of {$15000.00} as of XXXX 2015. I do not have an account nor a balance with this company. Account was charged off thru Chapter XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Tormey Bewley Corporation
State: AR
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
So I called Albuquerque collections to find out what I owed and what payment plan I could get on to pay the debt off. The women was not understanding what I wanted and I was told it was common sense math and I should. I felt XXXX as I am the one that wanted to do the right thing. Then when I advised her I would not let her get a dime of commission off me. She then told me it did n't matter it was already her account. She also told me that accounts that where not repoting to my credit where. THAT IS ILLEGAL.

Company response to consumer: Closed
Consumer complaint received 2016-06-28
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
changing our mortgage payment from {$980.00} to {$1200.00} a month. Lied about taxes and insurance premiums.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have attorneys contacting me about a debt that they are not legally allowed to pursue according to law 15 USC 1629E ( 3 ). Also, this debt has been removed from my credit report already and there still coming after me. There has been a lot of suspicious activities from these attorneys that are trying to take my home and they don't even have the promissory note.These are the attorneys involved XXXX, XXXX, XXXX, XXXX XXXX XXXX , XXXX Attorney for Plaintiff XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, FL XXXX Telephone:XXXX Facsimile:XXXX Service Email : XXXX By : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Florida Bar No . XXXX Communication Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been calling TransUnion since XXXX XXXX I have called TransUnion on several occasions on trying to get some hard inquiries removed from my credit report I have been told on several occasions by TransUnion representative that I would have to reach out to the Creditor or to the person or people who placed the hard inquiry on my credit report. I did that I called every creditors on my credit report explained to them what I was doing. On XX/X/2017. I sent a certified letter to TransUnion with a list of all the hard inquiries and the companies that furnish the hard inquiries in my report I 'm asking in my report for them to be disputed on XXXX XXXX XXXX I called TransUnion to make sure that they had received my letter I was told by one of the TransUnion Representatives that they had received my letter.the representative explained to me that they received my letter but they do not do disputes.the representative told me my dispute letter would go without a response because they do not do disputes. I have done what TransUnion has asked of me. But I am still not able to get results from teansunion.below is a copy of the letter I sent transunion.

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 2016-01-12
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
These accounts need to be deleted because they are not mine and they have not been validated. I have disputed these accounts with Experian numerous times. The response I get back is that the information has been 'verified '. I contacted each one of these collection agencies and I never received a response from the collection agency to 'Validate ' the account. With that being said I am sure that Eperian did not get a verification from the collection agencies pertaining to the collection agencies on my credit report that do not belong to me. XXXX is not a way to verify an account. I requested there '' method of verification '' meaning who did the physically talk to at the collection agency. I want to know what paperwork Experian have showing that this account was validated and verified. The person they spoke with, what department, what day and time, and the paperwork they have showing ownership of the collection account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-27
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A fraudulent account from Discover Card is reporting on my credit. I did not open this account nor did I live in the State of California in the year 2018. I live in the State of Louisiana. My address at the time this account was open was : XXXX XXXX XXXX XXXX XXXX, XXXX LA XXXX. Ive contacted both the creditor and credit bureaus providing ; FTC report and police report. Both creditor and bureaus are refusing to update and remove this fraudulent account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: Flagstar Bank, N.A.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Flag star bank took over a year to give us a modification. It caused us to go from being only XXXX pmts behind to over XXXX pmts behind. Therefore the modification pmt they gave us is higher than our original payment was. Now since I had a XXXX and went on XXXX I lost almost all my income. How do you make a higher pmt with less income. In a years time we had to submit a whole package twice due to their Neglegance. They are not giving us a reasonable payment and it 's because of them taking over a year to give us a modification payment with higher principal balance because of them. I need someone to help us keep our home at lower payment. They also included late fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/XXXX I received a XXXX form from Portfolio Recovery Associates LLC for an alleged account I never heard about. I never received any correspondences from this company. My husband called and spoke to a XXXX at Portfolio Recovery on XXXX/XXXX/XXXX at XXXX central time, who told him that the department that handled it was closed at to call back on tomorrow by dialing the same number ( XXXX ) to Ext XXXX. We then contacted the original creditor listed on the XXXX ( XXXX XXXX ) and spoke to a XXXX XXXX at XXXX Central time until XXXX central time, who informed us that this alleged account was opened XXXX XXXX and was sold XXXX XXXX and the address listed on the account was XXXX XXXX XXXX XXXX XXXX , La XXXX, which I never lived at. we asked if we could file a fraud notice because this was the first time we have heard about this alleged account that 's over XXXX years old, he said because the account was no longer in there system they could n't do anything. He gave us a number to the company it was sold to in XXXX ( XXXX ) but it is no longer for a collection company. So my husband called Portfolio Recovery back today ( XXXX/XXXX/XXXX ) and spoke to a XXXX at ext XXXX and asked her about the alleged account and she stated that they brought the account in XXXX and tried to reach me to collect on the alleged debt. My husband asked her how could they try to collect on an alleged debt that was XXXX years old at the time they brought the account in XXXX since the account was closed by XXXX in XXXX, she said it was valid at the time to collect on it but the Statute of Limitation of Debt Collection in Texas is 4 years. She was asked how could they send out a XXXX without notifying us of the alleged debt, she kept saying they tried calling and sending mail but it was getting returned, but they were able to mail a XXXX to us at the address we have been having since XXXX, just did n't make any sense. She said we had to send in a fraud affidavit for an alleged account that is over XXXX years old to get them to investigate and remove the XXXX, at that time she was advised that the Fraud affidavit requires that we file a police report for Identity theft and that we would be told by the police that it was too old to report identity theft, and she replied you do n't have to contact the police you can fill it out like that and return it. So she was also advised before the called ended that we would be filing a complaint with you CFPB, IRS and that they were committing Mail Fraud by mailing and reporting an alleged debt that does n't belong to me and because they never sent us anything in writing before they reported the XXXX to the IRS and mailed it to us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
Moneygram has blacklisted me and will not let me send money across the street let alone anywhere else purely based on conjecture with no evidence of proof or eyewitness testimony! 
Dear XXXX XXXX, Thank you the letter you mailed to our corporate office dated on XXXX XXXX 2016, detailing your concerns associated with MoneyGram XXXX. 



You have complained that MoneyGram has refused service. 



Please be advised that in order to protect the safety of our customers, and to meet our compliance requirements, MoneyGram actively reviews transaction amounts and frequencies and will, from time to time, put restrictions in place to safeguard our consumers. MoneyGram retains its rights to process or decline any transaction sent through its system at any given time when it does not feel comfortable with the purpose of the transaction and/or sending/receiving activities of the customer. 



After reviewing your send activity, MoneyGram Compliance Department determined that your transactions raises several red flags concerning the activity. Due to this reason, your name was placed on restrictions in the MoneyGram system which disables you from using our services. This decision was made after careful consideration and can not be changed in the future. We apologize for the inconvenience. 



Providing first class service is one of our main priorities. Again, we are sorry you encountered any inconveniences with our service. 



If you have any questions, you may contact us directly by e-mailing us at XXXXXXXXXXXX. To assist us in addressing your inquiries efficiently and promptly, please reference case number XXXX in any future correspondence Regards, XXXX XXXX XXXX - Resolution Assurance ______________________ MoneyGram XXXX p : XXXX f : XXXX XXXX XXXX , Texas XXXX , US

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This relates to Complaint # XXXX. Portfolio Recovery called from another number today. When I block XXXX number they call from another. I have no debts. I pay credit cards within 30 days by autopay from my bank. I am in good standing with all my credit card companies. I do not have a mortgage. I would like these harassing calls to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-23
Company: North Shore Agency, LLC
State: MO
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 ordered products from XXXX XXXX XXXX and paid for the original order on time. After that, XXXX sent me additional products that I did not order. They were not cooperative when I contacted them about taking these unordered products back. They 're still trying to collect the payment for these unordered products even though I told them I never ordered them. I now have a collection agency contacting me about this payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2021-03-23
Company: Social Finance, Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I used to have a checking account through Social Finance ( SoFi ) but switched to a different bank. I asked to have the account and all services associated with the account closed and removed from all communication lists, but I am continually receiving emails from them with credit monitoring reports, information about my " SoFi Invest '' account, etc. I have contacted them at least 3 times, asking each time for them to close ALL accounts on file and to stop contacting me, but I am still receiving these sorts of emails, which leads me to believe my accounts are not actually closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: PENTAGON FEDERAL CREDIT UNION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I received a letter ( attached ) " Welcome '' to your new checking account from PENFED Credit Union, which included an ATM card and indicated a balance of {$5.00}. I never opened an account with them, but had an account with XXXX XXXX XXXX with a {$5.00} balance. I thought perhaps they'd changed their name and planned to call and close the account. I never activated the ATM card. However, before I got around to calling, I received a second letter on XX/XX/2021 stating my account was overdrawn by {$1900.00}. I called them immediately to report the fraud.

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