BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
To, Consumer Financial Protection Bureau ( CFPB ) I have been on Forbearance due to Covid 19 Financial Hardship since XX/XX/XXXX. I have recently signed with XXXX XXXX a Partial Claim option to go current with my monthly payments and resume making regular payments from XX/XX/XXXX. 

However, I have been informed by my Credit Bureau that XXXXXXXX XXXX  has reported that I am late with my monthly payments by 30 days which has reduced my overall credit scores by XXXX points. I had a very excellent payment history that got messed up by XXXX, I have attached a letter that confirms that I should be starting making payments from XX/XX/XXXX onwards not sure why they reported to Credit Bureaus. I have filed a dispute with XXXX and XXXX, however today I have been informed by XXXX that they can not do anything which I have attached, then I called back XXXX and they are giving me hope again but I am unable to trust such false promises anymore and can not continue being swung between my mortgage servicer and the credit bureau. 

Please help, this is against Cares Act, Mortgage Servicers were not supposed to report to credit bureaus to those consumers that are affected by Covid-19 Financial Hardship, and here I want to resume making payments and they are treating me like this. Please refer to my supporting documents.

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 2022-08-04
Company: EQUIFAX, INC.
State: FL
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 USBK XXXX XXXXXXXX XXXX XXXXXXXX, has 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
THE COLLECTION AGENCY ABILITY RECOVERY SERVICES, IS REPORTING AND TRYING TO ATTEMPT TO COLLECT A DEBT ON BEHALF OF A CREDITOR.. THE COLLECTION AGENCY ABILITY RECOVERY SERVICES IS NOT BONDED OR LICENSED IN THE STATE OF FLORIDA TO ATTEMPT TO COLLECT ANY DEBT. I SEARCHED ON THE FLORIDA OFFICE OF FINANCIAL REGULATIONS AND DISCOVERED THERE IS NO LICENSING FOR THE STATE OF FLORIDA WHICH IS REQUIRED. I WOULD LIKE FOR THE ACCOUNT TO BE REMOVED FROM ALL REPORTING CREDIT BUREAUS. I TRIED DISPUTING AND CONTACTING THE ANGECY NO SUCESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 USBK XXXX XXXX XXXX XXXXXXXX, has 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 a account without my written instructions

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 2017-06-09
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Name is improperly being reported/used/published.   My correct current name i s   XXXX   XXXX     ( F ormerly   XXXX   XXXX    ). I   have never gone by the name   XXXX   XXXX   XXXX   nor do I currently go by the name   XXXX   XXXX   XXXX   -- Please have this corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I had a bankruptcy show up on my XXXX report that was never filed by me. I have gotten XXXX XXXX to remove this from my file. They've written me two letters and sent me my personal file showing no bankruptcy. I've provided this to XXXX  on multiple occasions, including via fax and electronically and they will not remove this blatantly false record from my credit report. Experian 's online portal for uploading supporting documents won't work and XXXX   's online dispute function is completely broken. I need this record removed by all 3 bureaus.

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 2022-09-14
Company: On Q Financial
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/2022 {$14000.00} was paid to OnQFinancial from the XXXX program for COVID19 help. They are unable to tell me where the money was applied. It has been months. This is the second complaint I have filed. They do not return phone calls or emails. I have been on transferred up to 6 different people during a call with no resolution. I am on hold for up to 2 hours at a time. This is poor management and harassments. They are refusing to apply 2 payments made prior to the money sent in XXXX. I received a letter stating they would be returning it. I have never received it. I had my roof repaired and they are punishing me for a " status '' that they can not hold up to or define. This has been going on for 2 years now. I want it fixed. Please help. 

It's my belief this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
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: Public record information inaccurate

Complaint:
I have  XXXX  state tax liens that have been satisfied and released by the state for several years that are still showing on my credit reports for all  XXXX  agencies.   The first was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The second was filed on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   The third was field on  XXXX / XXXX / XXXX  for  XXXX . It was paid, satisfied and ordered cancelled/released on  XXXX / XXXX / XXXX .   I disputed these liens on all  XXXX  credit reporting agencies, and they verified them with  the county clerk, but did not remove them, stating they are reporting as verified.

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 2017-06-09
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A few months ago i noticed a collection account on my credit reports from  LVNV Funding. I had nev er received any communication from this company and my attempts to send them debt verification letters yielded no results. I had attempted to contact them  in  XX/XX/XXXX  and then again in  XX/XX/XXXX  and got  no response. Every time I dispute this account with the  XXXX  credit bureaus it always comes back verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: EQUIFAX, INC.
State: PA
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:
I observe a break-down/inaccurate process in Equifax 's procedures. They report that information on my credit-report as " factual ''. When in fact, Equifax has been requested to remove the entry from the " factual '' party. I believe Equifax 's authenticity process to be inadequate and ineffective.     I have  attached two documents : 1 )   XXXX  's confirmation informing Equifax of the unauthorized inquiry.  2 ) Eq uifax 's notice they have no record of  XXXX  's communication.  <P/> This same process with   XXXX   and Experian resulted in the accurate removal of  XXXX  's entry on my credit-reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03
Company: EQUIFAX, 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:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


01 XXXX XXXX XXXX XXXX {$190.00} XX/XX/19 Inquiries : XXXX  XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
05/14/2021_Alerted by email that a transaction was to occur from vendor : XXXX YOUR SUBSCRIPTION RENEWAL WAS SUCCESSFUL Dear XXXX XXXX XXXX Were pleased to tell you that your XXXX XXXX XXXX subscription has been automatically renewed. Your award-winning XXXX XXXX XXXX has been extended for another subscription term and no further action is required. Thank you once again for choosing XXXX XXXX. The following is a summary of your order. Please keep this email as your proof of purchase. Your credit or debit card ending in has been charged XXXX XXXX. Please note, the charge will show XXXX XXXX as the merchant for this purchase. 

XXXX_I immediately replied to the email notification that this was not " authorized by me and they should cancel ASAP!!. 

XXXX I submitted a fraud complaint and notification of an unauthorized transaction to XXXX XXXX XXXX PayPal ( transaction was submitted via PayPal XXXX of the same. Directions from both XXXX and PayPal was to contact XXXX XXXX for any compliant or issues. Note : from XX/XX/2021 through today I have attempted " unsuccessfully via PayPal, XXXX, and XXXX XXXX any success on my request to stop transaction, refund or human contact. 

The process by all parties takes you in a " circular loop making it extremely difficult to submit a request and/or claim ''. I do believe this is " intentional for the average consumer ''. I am an avid user of computers but this is difficult and stressful going between parties and not one taking responsibility. Please note : I have an ongoing relationship with PayPal whereby I will create a subscription for continued payments. I did not " authorize or was I notified by PayPal requesting approval of this such transaction. 

XXXX is a security software that I do used, and have purchased over the last 5 years via 'hard cd purchase from XXXX XXXX ''. 

XX/XX/2021 : Transaction has hit my bank account today : XXXX XXXX To : XXXX Mon, XX/XX/XXXX at XXXX XXXX Transaction Alert : XXXX XXXX XXXX XX/XX/2021 ( {$100.00} ) ACH Withdrawal, XX/XX/2021 ( {$61.00} ) ACH Withdrawal I will be placing a " fraud alert '' with my bank XXXX XXXX XXXX XXXX of this same issue today.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-03
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:
I AM THE VICTIM OF IDENTITY THEFT, PLEASE HELP ME RESTORE MY IDENTITY. THE DATA LISTED IS THE RESULT OF IDENTITY THEFT. BLOCK THE FOLLOWING DATA WITHIN 4 BUSINESS DAYS. 


01 XXXX XXXX XXXX XXXX {$190.00} XX/XX/19 Inquiries : 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 2022-03-05
Company: Phoenix Financial Services LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Phoenix Financial Services XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX RE : ACCT # XXXX To Whom It May Concern : This letter is being sent to you in response to you reporting the aforementioned account on my credit profile with the credit reporting agencies.

This is not a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you claim that I owe you. I am requesting proof that : I am indeed the party you are asking to pay this debt ; the date of the alleged medical service ; the name of the patient ; and proof that there is some contractual obligation which is binding me to pay this debt.

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 

Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX. 

Please also attach copies of any agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor, and, as this is a medical account, a copy of any HIPAA authorization. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of, or verifying of this account on my credit reports. 

I require compliance with the terms and conditions of this letter within ten ( 10 ) calendar days, or a complete withdrawal, in writing, of any claim.

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of New York State medical privacy rules . 
I also hereby reserve my right to take private civil action against you to recover damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1. I do not have a   contract with DIVERSIFIED CONSULTANTS INC  or  XXXX  because I did not open this account. I am not liable for collection this debt from  XXXX . I am not responsible for this debt.  <P/>  2. I have as ked  XXXX  and  DIVERSIFIED CONSULTANTS INC for validation for this account being mine and have received nothing but bill statemen t. THAT IS NOT VALIDATION!  <P/> **Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the account.  <P/> Under the Fair   Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.
Please provide me with a copy of an updated and corrected credit report showing these items removed.
<P/>
I demand the following accounts be properly verified or removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: Sequium Asset Solutions, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
hi I have reached out to SEQUIUM ASSET SOLUTIONS because I recently checked my credit report and I notice there stating I have a outstanding balance of {$2600.00} from the date XXXX XXXX.I have no knowledge of and this is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I deposited my stimulus payment and Soc.Sec. disability check along with some extra that I'd saved ( {$2200.00} in all ) to my Paypal, account and within 2 weeks it had all just disappeared from my account. No explanation as to where it went or why. After much time and freaking out, I looked like it had been sent to XXXX XXXX, and then XXXX XXXX, and then even XXXX ( with several other places in between ). I received 2 Visa cards which had no dollar amount of how much they were worth, and hints about activating them and using them on cash.app. I'm XXXX, and I barely know how to use my XXXX, and it's too old to even download a XXXX XXXX. I complained to XXXX XXXX XXXX and they made a claim to XXXX XXXX, which I'd never even heard of, but I think that Paypal is responsible for 'losing/stealing ' my money. I'd had my account there since XXXX, and this really shocked me, that they would do this. I really need that money back as it is all that I have. I had signed up to have my government check directly deposited, and the very first month, it was taken (  on XX/XX/XXXX - in 2 withdrawals, one for {$980.00} and one for  {$1200.00} ) I have gone round and round with Paypal, but for the most part they just play dumb- they even told me they didn't know where they sent it! Before I noticed that it was gone, I tried to buy a couple birthday presents for my grandaughter, and my card was turned down. Those and a couple more attempted purchases, and my credit is now plummeting. There's no way they can truly make this up to me, but they could at the very least GIVE ME MY MONEY BACK. And, by the way- because they accepted my SSDI check in a direct deposit and then stole it, it needs to be reported to Social Security- along with my stimulus check. I've also questioned XXXX XXXX, XXXX XXXX, and XXXX, and no one seems to know anything! I've never heard of anything so openly crooked in my life! The image I'm attaching says " instant transfer using card ''!! MY CARD?! What business did they have even being in my account?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-06
Company: Automated Accounts Management Services
State: IA
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:
The account number listed on my credit report is  XXXX . I was unaware of this debt before it appeared on my credit report. Once I saw the debt I promptly paid the debt. As this is medical debt, I should have been notified and been given time to pay the debt. Per the FCRA I have the right to dispute this debt directly with the company that has reported the debt. I was unable to get anywhere during phone conversations and was told I must dispute this debt with the National Credit Reporting Agencies. While I can dispute with the NCRAs, I should be able to dispute the debt directly with the company reporting the debt. Please remove this collections account from my credit report. There were several things wrong with how this account was handled and how little responsibility the company the debt was originally owed to took. Even if the debt is sent to a different company the original lender is still responsible for accurate reporting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX  has been non-compliant with removing the unverified account CAPITAL ONE BANK USA XXXX which has been deleted by XXXX  and XXXX. XXXX  and XXXX  have both completed their research and determined that CAPITAL ONE BANK USA was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX  did not send them all of the verifying evidence to confirm each account is unverified.

Company response to consumer: Closed with non-monetary relief