BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-06
Company: WSFS FINANCIAL CORPORATION
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
mortgage payment, not enough payment going to principal, to much to interest. i am not in a interest only mortgage. i ask to make adjustment to the years starting in 2007. most of the payment should be going to principal, not interest. im tying to pay the house off not end up in a iterest trap. please make the adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Factor Trust
State: NV
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:
1. REMOVE ALL INQUIRIES THAT ARE NOT ATTACHED TO MY ACCOUNTS 2. THE ONLY BUREAU THAT I CAN ACTUALLY LOG INTO IS XXXX and XXXX because I have to pay BUT THEY STILL HAVE NOT REMOVED THE OLD ADDRESS, INQUIRIES AND LATE PAYMENTS.

3. UPDATE AND SUPPRESS NEGATIVE INFORMATION 4. UNLOCK AND UNFREEZE ALL MY ACCOUNTS AND SEND ME THE CORRECT LOGIN OR RESET TO MY EMAIL WHICH IS REGISTERED TO YOUR SITE. XXXX AND XXXX WILL NOT LET ME LOG IN EVEN WITH THE RESET. I AM REGISTERED FOR ALL, THIS IS UNBELIEVABLE. 

please update and suppress negative information, and inquiries that are not attached to any accounts 5. REMOVE THE FRAUD STATEMENT FROM ALL MY BUREAU REPORTS. IF I AM ABLE TO LOGIN THEN I WILL LOCK THEM MYSELF YOU ARE IN VIOLATION OF 15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 Accounts not reporting across all bureaus. incomplete account number, inconsistent. Please remove for innacuracy, no knowledge of this account, no contract with this company My name is XXXX XXXX XXXX XXXX My addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My phone numbers XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, 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:
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.

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Equifax credit bureau to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any items of information contained in a my file at XXXX and Equifax are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and update : XXXX  XXXX Date opened XX/XX/2020 XXXX : {$3800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Hello, my name is XXXX XXXX and I am a real person. I am writing to you in regards to the Credit Reporting Bureaus such as XXXX, XXXX and Transunion reporting incorrect information on the credit reports. I have my rights protected under the Fair Credit Reporting Act and the 15 U.S.C. 1681. I have been trying to remove wrong invalid addresses from my credit reports, sent letters and called numerous times and asked XXXX, Transunion and XXXX to remove wrong and undeliverable addresses from my credit report. I am missing important mail and I don't need these addresses reporting and I don't want ANY of my mail to go to any of the addresses by MY CURRENT ADDRESS. My current address is : XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, VA XXXX. I will attach supporting documents, my bank statement and my recent utility bill to provide evidence. Please help me resolve this issue. The only address that MUST BE REPORTED IS MY CURRENT ADDRESS : XXXX XXXX XXXX XXXX  XXXX, XXXX, VA XXXX! According to the FDCPA 15 USC 1692g the bureaus have to report 100 percent accurate information. 
Please remove the following addresses from my credit reports : XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. 
All these addresses are incorrect and not deliverable and must be removed from my credit report. I will attach supporting documents and my credit reports.

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 2023-08-18
Company: Security Credit Services, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original creditor discharged the debt receiving a tax credit. A 1099c has repeatedly been requested. The sale of this account was illegal as XXXX XXXX XXXX  and I have no legal contracts and Ive given no authorization for the sale of my information. XXXX XXXX XXXX  has been notified on multiple accounts of this and they continue to harass via text, phone and email after being told to cease and desist. They are not legally authorized by me for this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: Access Receivables of NC Inc.
State: NC
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a notice in the mail last year stating that I owed over {$400.00} to XXXX for services that I had cancelled a few months earlier. I wrote to them and explained that I did not owe that amount because XXXX didn't end my service when I asked them to and when I turned in their equipment. 

A year went by and I received another notice saying that I owe the same amount. I sent an email to the collections agency this time and told them that I had documentation to prove my side. I received a phone call from an aggressive collection agent who explained that I didn't turn in a piece of equipment and that I never cancelled my service. 

This forced me to go to my records and pull out the documentation showing that I turned in my equipment. I took photos of the three receipts and emailed them to the company. I keep receiving phone calls from rude and aggressive agents that refuse my documented support. I feel like they are abusing me with their phone calls and letters because their client didn't close out my account correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$860.00} ; XXXX XXXX XXXX XXXX XXXX, MD 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 2023-05-18
Company: EQUIFAX, INC.
State: OH
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:
XXXX OF XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX THIS DO NOT BELONG TO ME! 
I WILL LIKE FOR THEM TO BE REMOVED THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: National Recovery Solutions, LLC
State: IA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I talked to NR Solutions on Friday XX/XX/XXXX. They claimed I owed XXXX debts but couldn't verify what it was for. I sent a letter requesting the debt to be verified and more information so I could even know what the debt was for. I never got a response. Now they have called me on XX/XX/XXXX, XXXX, XXXX, every XXXX days and still called today XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: OPORTUN FINANCIAL CORPORATION
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit Reporting act Oportun has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: GA
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:
Dear, Equifax I had some unauthorized inquires you refuse to put them in dispute, I tried calling over the phone, and sending in a cfpb complaint nothing seems to work. Once again please investigate and remove these unauthorized inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: T.S. Holdings
State: CA
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This was a house that I moved out of and they tried to sue me. I went to court nobody from their company showed up, the judge dismissed this case in its entirety and also noted that the plaintiff being vintage plaza would not be able to seek any monetary damages from me ever nor put anything negative on my credit report and if they did they would be held in contempt of court. I got notified by a collection agency and that's how I found out what was going on. It is on my credit and it is not supposed to be and I am fighting with them to get this removed from my credit. I just went back to court and the judge issued a {$2500.00} contempt of court fine and let it be known that they need to remove this from my credit or they will face a {$10000.00} fine. They do not want to remove this from my credit even though it was never supposed to be there in the beginning I left not owing anything and they still tried to get me for damages after they were told they could not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no idea about this account that was already charged off and I have not supplied proof under the doctrine of Estoppel by silence Engelhardt vs Gravens ( mo ) 281 sw 718,719 I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exists!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: TRUIST FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
I received several emails about a checking account opened in my name with Truist.I did not open a checking account with them and have never been to one of their banks. I called customer service and she said the only way she could look it up was with my social security number, which I was not comfortable giving. A User ID was created XX/XX/23 at XXXX XXXX  in the US. Account details in email : Account Truist XXXX Checking XXXX, Application ID : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: Experian Information Solutions Inc.
State: GA
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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$7500.00} ; XXXX XXXX Balance : {$3000.00} ; XXXX XX/XX/2021.

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 2022-12-07
Company: EQUIFAX, INC.
State: MO
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:
15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written instructions Unauthorized Credit inquiries XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: T.S. Holdings
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a responsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: YSA ARM LLC DBA Oxygen XL
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, I would like to complain and dispute about Debt Collection which is not belong to me. 
In my credit report, I have a collection from OXYGEN XL. Original creditor is XXXX XXXX XXXX. 
This collection account is not belong to me. I called both company and asked them where this collection is coming from. They told me that there was a merchant credit account opened under company named called XXXX XXXX XXXX. I told them that this can not be, because I was an employer, an officer for that company. This company is one of XXXX account for XXXX XXXXXXXX XXXX XXXX XXXX which I worked for a period of time. This company owned by XXXX XXXX. I said, I worked for him between XXXX to XXXX. 
I left the company and I moved to Connecticut XXXX XXXX  If you look to the date the account open was XX/XX/XXXX - I was not even living in XXXX that time. 
NO matter how much I try to explain collection agency, they keep telling me we have your information, your name is in it. I said, can you provide me the contract for the merchant account. They are not giving me the the contract or any other information that shows I did open the account, they keep dodging my giving me the contract. 
I disputed with XXXX, however, they denied my dispute. I do not believe that XXXX did any due diligence. There is no way, this account opened by me. My previous employer stole my info and opened the account. I am a victim of identity theft. 
I hope you can help me about this collection which is not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
I was traveling in XXXX and my preferred method of payment for XXXX is PayPal and on my PayPal account I have my preferred method of payment selected as PayPal credit. What PayPal didnt notify me was that some international vendors do not accept PayPal credit and therefore instead of consulting me on my backup choice of payment, PayPal picked an account by default and withdrew money from an account that is rarely used and I do not typically keep money in. When they withdrew the fees they didnt withdraw for the amount owed on the XXXX but they only withdrew for Insufficient funds. Therefore, I was unable to remedy this situation before I was negative approx {$810.00} in fees including ( 17 ) insufficient fund fees on XX/XX/2023 of {$37.00} each, ( 4 ) insufficient fund fees on XXXX XXXX of {$37.00} and ( 1 ) insufficient fund fee on XX/XX/2023 of {$37.00}. I had transferred money for a few fees on XXXX XXXX because I was traveling with limited internet access and could not investigate why my account seemed so far in the negative for a small amount of XXXX transactions. When I got home from Traveling on XX/XX/XXXX, I was notified of my account being over {$600.00} in the negative from all the insufficient fund fees being take out. I only saw insufficient fund fees and did not see the transactions. Had PayPal posted the transactions I could have easily remedied the situation and paid the bill before the insufficient fund fees were even taken out. Up until XX/XX/XXXX I had no idea that PayPal credit hadnt worked. I called PayPal twice even speaking to a manager and they didnt seemed concerned with how PayPal randomly chose an account without consulting their costumer or with how they withdrew the money only as insufficient funds. They sent me a letter that I was responsible for forwarding to my bank that request the bank to waive the fees but they fees shouldnt have happened in the first place if they withdrew the original transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Paypal Holdings, Inc
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Good day. 
This is about my paypal account : It is just a weeks old and last day i receive a very first payment for my online job and then after a few days my account is permanently banned. it is very obvious that it is just a bot that banned my account. I am so disappointed what happen because it is my way of supporting my kids. Now my business was stopped, how I can I continue to support them. I am asking ang begging to please help me to restore my account : My Paypal account : XXXX Hoping for your support regarding this matter. I hope you can help me. 
Thank you very much and bless. 

Sincerely yours, XXXX XXXX

Company response to consumer: Closed with explanation