BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-01
Company: ID Analytics, Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XXXX XXXX, 2017 I attempted to receive an auto loan from XXXX XXXX, I was denied and given a letter of explanation citing a credit reporting agency called SAGESTREAM LLC. I have never heard of this company, nor have I ever given permission for them to obtain my information from other credit reporting agencies. My score from XXXX is XXXX and contains current and correct information. My score from SAGESTREAM XXXX, when I attempted to request my credit report from this unknown company they denied. They require you to mail in forms of id and personal banking information no one else requires. The company when contacted and attempted to find out more information on who they are, I was hung up on every single time. This company uses extortion and stonewalling tactics to increase interest rates for financial institutions.

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 2017-03-26
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Allied Collection Services , Inc, failed to respond to my Debt Validation Letter Request regarding the collection they reported to credit reporting bureaus, failed to provide the needed information for the debt validation. All you provided was just the cancelled/violating consumer right contract which XXXX did not perform, nothing else, and you failed to provide CREDITOR/DEBT COLLECTOR DECLARATION, the form in the Debt Validation Letter Request which you are obligated to provide within 30 days pursuant to 15 U.S.C 1692g of the Fair Debt Collection Practices Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Atlanticus Services Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I opened a credit card account with Aspire. I normally paid the balance I owed in full at the end of each month. Because I no longer wanted to pay the excessive fees and high interest rate, I paid the full balance and chose to " Lock '' my account on XX/XX/XXXX. 

Later that day, I received an email from Aspire stating that my account was " Closed '' and that " All future authorization requests will be declined. '' However, when I checked my account a week later, it appeared that I still owed {$210.00}. So I immediately paid that amount on XX/XX/XXXX, which caused an overpayment in that amount. 

I contacted the company on XX/XX/XXXX ( the day this charge appeared as an ach debit on my bank account ). I was told that they could not reverse the charge, even though it was made the day before and a refund would take 7-10 business days to process. 

I contacted them again today and was told that " it takes 7-10 business days for internal processing and an additional 10 business days for me to receive a refund check. '' I was further told that " a refund check was not processed. '' The card was issued by The XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: 1st Franklin Financial Corporation
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Ive contacted the credit bureaus to investigate and initiate the fraud alert on the scam thats under my name and the creditor seems to be ongoing about this situation.

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 2017-09-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RE : Portfolio Recovery Associates, LLC XXXX XXXX XXXX XXXX, VA XXXX Portfolio Recovery sent notice of a fraudulent debt.Attempted to collect on unsubstantiated or inaccurate debt. 
I sent denial is writing within the first 30 days. They called repeatedly and harassed over and over even after being told to halt. Pressured me to make payments using misrepresentations Relied on misleading, robo-signed court filings to churn out lawsuits Misrepresented their intention to prove debts they sued consumers over.They sued and lost in court. 
They still keep reporting this false debt every month to credit reporting agencies. 
Sued me for past the statute of limitations.Statue of limitations expired years ago. 
Violate federal law repeatedly Criminal company needs to be put out of business. 
I want PRI to remove all negative trade lines in all credit reporting agency immediately Thanks you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
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 have contacted XXXX, XXXX  and TransUnion on several occasion throughout the year regarding my credit report not reflecting accurate information. They never did a proper investigation and still information is showing up. I am a victim of identity theft and I have told them that following information being reported is not accurate. 

XXXX  XXXX XXXX XXXX XXXX XXXX I have never had any accounts with them and these were opened fraudulently. XXXX  XXXX is showing balance of XXXX, XXXX XXXX XXXX and XXXX XXXX has no information. I need XXXX  XXXX  and TransUnion fix my credit and report accurate information this has caused me loosing my job and not being able to find a new one.

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 2017-09-01
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
InXX/XX/XXXX my former husband and I contracted with XXXX XXXX to install an inground pool. For which we secured a loan in the amount of {$15000.00} plus through XXXX XXXX which is now Ditech. XX/XX/XXXX we increased the amount of the loan to {$18000.00} plus so we could include a fence. Instead doing a modification on the loan they recorded a second deed of trust without releasing the first. In XXXX when the loan was satisfied they issued a certificate of satisfaction and referenced the loan number and account number of the 2nd deed of trust but referenced the deed book and page number of the original deed of trust. 
I am trying to refinance my home and my title company XXXX XXXX found these 2 unreleased deeds of trust in a title search. I have been calling Ditech daily and have emailed since XX/XX/XXXX to try to clear this up without any success. Customer service is very rude and the lien release dept has no phone and will not respond to emails. I am not able to close on my refi and am in danger of having my rate lock expire. My title company XXXX XXXX has emailed and faxed all the information over to them to explain what is wrong and what needs to be done to correct this but Ditech still can not understand and to my knowledge has not done anything to rectify this problem. We requested a letter from customer service referencing both account number that these accounts have been paid off and they have intent to release but after a few attempts and still not receiving what we need I feel these deeds of trusts will never be released.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-26
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
In XX/XX/2019, I sold a video game on XXXX  to a purported buyer. I followed all XXXX guidelines for seller protection, particularly for sending digital download codes for software. 

Upon receipt of the redemption codes, the buyer initiated a fraudulent claim, stating only that " my account was hacked '' and requested a chargeback of {$35.00}. PayPal agreed with the buyer without considering any of the evidence that I provided to the contrary. 

Upon calling them today ( XX/XX/2019 ), the Disputes representative I spoke to was incredibly rude, hung up on me, and refused to allow me to appeal or re-open the claim. She stated that I didn't provide " the IP address '' or " other information '' proving that I was defrauded. I work in XXXX  -- there is no discernible way that I would be able to find the IP address of the fraudster 's XXXX to prove that they redeemed the codes. 

PayPal should examine how they treat customers on the phone. Customers -- especially Veterans, like me -- don't deserve to be treated rudely because we're trying to make sense of a financial institution 's overwhelmingly complex, confusing, and vague claims processes. After wasting several hours on the phone, I gave up, paid the balance due, and closed my account. I will never open a PayPal account again, nor will I ever recommend PayPal to friends and family. In fact, I will actively advise against opening accounts with PayPal to anybody who will give me the time of day. 

Having worked for a XXXX XXXX XXXX XXXX responsible for handling bureau complaints and inquiries, I do not expect anything to happen to PayPal, nor do I expect to receive my defrauded {$35.00} back, although it would be appreciated, particularly after how poorly I was treated on the phone. Nevertheless, I will be watching closely for similar stories, and will consider certifying a class for a class action lawsuit for UDAAP in how PayPal handles claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Ocwen Financial Corporation
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was in the Covid relief act and in forbearance and my late payments were reported late while I was in Covid relief and in forbearance and late payments were reported to the credit bureau and Im trying to have them removed from my credit report so I can refinance my mortgage. I have phh mortgage services. They reported 3 late payments while I was in forbearance under the Covid relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
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:
To Whom It Will Concern, I was looking at my XXXX XXXX account on XX/XX/XXXX. I noticed there was inaccurate information that was solved a long time ago. This company called XXXX XXXX XXXX saying I owe XXXX {$2700.00}. This is 100 % Inaccurate. I did have XXXX at some point but moved to XXXX. When I went into the store middle of XXXX and transferred everything over they were paid in full whatever was owed which was no where near {$2700.00}. I called XXXX  on XX/XX/XXXX to see what this was all about and if they can verify it. The customer service rep said they do not have me on record and just best for me to dispute it with each credit reporting agency and it will come off since they were lacking proof and could not provide documentation.

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 2022-07-19
Company: Experian Information Solutions Inc.
State: MD
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 the following accounts have 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. 

XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-07-19
Company: EQUIFAX, INC.
State: TN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX has violated my rights. 
XXXX, XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXXXXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX  XXXX # XXXX, has violated my rights. 
XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX DEPT OF ED # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX DEPT OF ED # XXXX, has violated my rights. 
XXXX  # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX XXXX XXXX XXXX XXXX  TN XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX To Whom it May Concern, I recently pulled a copy of my credit report and noticed the following information is in error : Address Errors : XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX Phone Errors : Phone : XXXX XXXX XXXX Phone : XXXX XXXX XXXX Name Errors XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My correct social security number is XXXX. With the amount of identity theft going on, I am very fearful that some could mistakenly identify me as someone else with this incorrect information on my credit report. 

Sincerely, 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 2020-04-23
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:
To Whom It Will Concern, I was looking at my XXXX XXXX account on XX/XX/XXXX. I noticed there was inaccurate information that was solved a long time ago. This company called XXXX XXXX Is saying I owe XXXX {$2700.00}. This is 100 % Inaccurate. I did have XXXX at some point but moved to XXXX. When I went into the store middle of XXXX and transferred everything over they were paid in full whatever was owed which was no where near {$2700.00}. I called XXXX on XX/XX/XXXX to see what this was all about and if they can verify it. The customer service rep said they do not have me on record and just best for me to dispute it with each credit reporting agency and it will come off since they were lacking proof and could not provide documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: BlueChip Financial
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have been getting daily recorded phone calls from XXXX XXXX XXXX. 
When I call them back, they say I am being investigated for federal bank fraud and that I would be served. I 've also been told that they would continue to charge me 700 % interest until I paid the debt, which is n't legal in my state and that I would never be able to buy a car or get another job. 

They are also leaving the same recorded messages at my father 's house. I have never lived at that address nor have I used that phone number. 

I have these voice messages saved. 

The company gave me the address of : XXXX XXXX XXXX in XXXX, KY.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Account Control Technology, Inc.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I went to XXXX University for XXXX semester for my PhD. This school did not send me a bill, call, or communicate about any money that was due. I was not aware of money owed until the collections agency sent an email. 

The collections agency, Account Control Technology ( ACT ) is unavailable for any communication. All phone lines are down, and email correspondence goes unanswered. I paid the balance in full online on XX/XX/22. They still have not notified XXXX of the payment.

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 2022-07-19
Company: Resurgent Capital Services L.P.
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: Account status incorrect

Complaint:
I have been asking XXXX and LVNV FUNDING TO REMOVE THIS CHARGE OFF MY CREDIT REPORT FOR SOME YEARS NOW AND NEITHER XXXX OR LVNV FUNDING HAS DONE SO. I HAVE SENT PROOF OF A COURT RULING IN MY FAVOR TO BOTH COMPANIES AND NOTHING HAS HAPPEND I THINK ITS REALLY SAD THAT THESE COMPANIES CAN JUST RUIN A PERSONS CREDIT AND NOTHING CAN BE DONE ABOUT IT THIS HAS CAUSED ME STRESS AND PROBLEMS WHEN NEEDING TO APLY THE USE OF CREDIT TO MY PERSONAL LIFE. THE RULING TOOK PLACE WAY BACK IN 2017 AND THIS COMPANY HAD THE NERVE TO TAKE ME BACK IN FRONT OF THE SAME JUDGE 2YRS LATER I WAS NOT HAPPY NEITHER WAS THE JUDGE THE RULING ENDED IN A JUSGEMENT FOR ME ( WITH PREJUDICE ) WHICH MEANS IT SHOULD NOT HAVE BEEN FILED AGAIN AFTER THIS JUDGEMENT WELL NOW IM HERE BECAUSE THEY STILL REFUSE TO REMOVE IT I NEED HELP AND ALSO WANT TO KNOW IF I CAN FILE A SUIT MY SELF AGAINST BOTH LVNV FUNDING AND XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-01
Company: CITIBANK, N.A.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Received a mailed offer from AAdvantage/Citibank in my name with a specific code offering a XXXX mile bonus with XXXX XXXX if I spend {$3000.00} in 3 months. I applied and was accepted, receiving the card on X/XX/17. I then spent {$3000.00} within 3 months. I did not receive the bonus and contacted Citi. They said because I had the card previously and closed that account within 24 months, I did not qualify for the bonus. The mailed offer did not state this, and the information received with the card makes no mention of this. If I did not qualify for the specific offer that I applied for, I should have been denied the card, not sent a new card, indicating acceptance of their offer.

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 2018-12-03
Company: American Financial Resources, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I attempted to pay my mortgage ( as always ) on or before the first business day of the month via the XXXX website. When I was not able to do so, I called. They informed me that my loan servicing ( no word on whether the loan itself ) was transferred to XXXX XXXX. 

The problem is, they did not provide adequate notice. The representative said they mailed the notice on XXXX the XXXX. The effective date of the transfer is XX/XX/2018. Even if applying the " Mailbox Rule '', that does not provide 15 days notice. Also note, that they never provided email or other electronic notices.

Company response to consumer: Closed with explanation