BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-05
Company: Ability Recovery Services, LLC
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX was listed as a creditor on my credit report as a debt collector for XXXX XXXX in the amount of {$1000.00}. This account was challenged and deleted from my credit report. In less than 30 days this account was picked up by Ability Recovery Services , LLC. I DO NOT believe that XXXX XXXX had adequate time to resell/retain this account to Ability Recovery Services , LLC who claim that they retained this account from XXXX XXXX. <P/>I am requesting that the new creditor : 1. Submit to me validation to prove that XXXX XXXX has retained them to recover the amount they have listed now as {$1100.00}. Including an itemized bill detailing line by line fees and interest. 2. I am also requesting that Ability Recovery Services , LLC provide proof they have not received this account through XXXX XXXX or XXXX. 3. I request names and address of all to whom they contacted as well as date and time. I will be following up on this correspondence directly. 4. I request that Ability Recovery Services , LLC provide to me their legal licensee number as a registered collection agency for the State of Maryland to be checked through the Maryland department of Labor, Licensing, and Regulations system.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Experian Information Solutions Inc.
State: CA
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 co-signed a loan for my ex wife and she defaulted and now Im left with a charge off thats hurting my score tremendously Ive tried to get them to remove and this was also involved in litigation.

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 2022-04-29
Company: World Acceptance Corporation
State: TX
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:
FRCA Violation credit card XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX FRCA Violation names and address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX is reporting a closed account as open. The account is a old account and should be removed. 
XXXX charged off this account back in XXXX XXXX 2015 and is reaging this account to show a negative account on my XXXX, Experian reports. Every month they 're aging the account to show a current delinquency on a charged off account. The amount charged off was {$19000.00}. I have tried to resolve this matter numerous times with XXXX to report this properly by removing this account. XXXX continues to inaccurately report data on a charged off closed account by reaging it. This is a violation under FCRA.

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 2017-09-27
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX is reporting a closed account as open. The account is a old account and should be removed. 
XXXX charged off this account back in XXXX XXXX XXXX and is reaging this account to show a negative account on my Equifax, XXXX reports. Every month they 're aging the account to show a current delinquency on a charged off account. The amount charged off was {$19000.00}. I have tried to resolve this matter numerous times with XXXX to report this properly by removing this account. XXXX continues to inaccurately report data on a charged off closed account by reaging it. This is a violation under FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: SYNCHRONY FINANCIAL
State: VA
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 made purchase for {$110.00} using Paypal credit on XXXX on XX/XX/2021. I called the merchant phone number listed on the web site next day where I made purchase but it was saying if I'm calling about XXXX  then its fraud so I reported to Paypal Credit next day morning. 
Since then I keep calling Paypal credit but the customer service keeps telling me that it will take time and sometime in XXXX they said XXXX produced the tracking number for the delivered goods but I never received the merchandise. I re-opened the case again with Paypal credit again. Their customer service keeps me telling I don't have to pay so I did not pay. Now they keep adding fees and interest and now its {$240.00} and they have closed my account also. I finally gave up and I paid {$240.00} today. They said they sent me letter saying they have confirmed from the seller that they did sent the goods but I never received it. 
I paid it because I'm afraid of the way they are adding fees and I don't have time to call them every time and spend almost 30 minutes. 
But I believe its bad practice that Paypal is using and running fraudulent shop behind the scene also instead if freezing the payment they are using scare tactics to add fees so that a good person end up paying it and that's what happened and I paid it. 
But question is someone need to investigate this and I should get my money back, they must be doing this with many people.. 
I have attach the screenshot of where I made purchase and I believe merchant is fraudulent.

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 monetary relief
Consumer complaint received 2017-07-05
Company: CITYWORTH MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, our home was ratified/contracted for sale with expected closure date on XX/XX/XXXX. Prior to showing our home, the buyer, their agent and the lending firm, CityWorth Mortgage LLC provided a letter to our agent that the buyer ( s ) were qualified to purchase our home. While negotiations were made to put our home under contract, we accepted the offer. <P/>Between our agent and the buyers agent, several attempts by our agent were made to ensure the buyers loan had been fully approved. As the seller, we were told by our agent that the buyer 's agent stated many times that there were no need for worries as the buyers were fully qualified and will have no problems obtaining the loan. <P/>On XX/XX/XXXX, we were notified by our agent that the sellers did not qualify for this loan through CityWorth Mortgage LLC and upon further investigation with discussions from our agent, the individual handling the buyer 's paperwork had been let go. During the time between XX/XX/XXXXandXX/XX/XXXX we ( the sellers ) have had gone through the appropriate requirements, such as the Home inspection and took care of the items the seller requested to have fixed, such as Radon, Termite Inspection and  some minor repair to our roof. In preparation for settlement, we have gone through and have moved all goods from our home with the exception of the items the buyers conveyed. <P/>The buyers and their agent were well aware of our intent to retire when discussing the sale of our home which required to schedule and make arrangements to ship our goods to our new location which is outside the U.S. Per our agents discussion, the buyer and lender were to provide proof of loan qualification on or about XX/XX/XXXX <P/>The fact that we had not received any formalized proof prior to XX/XX/XXXX and were told that the buyers are fully qualified from their agent to find that they did not qualify due to credit issues points to fraudulent and negligence as well as deceit on behalf of the Buyer, their Agent and the lender CityWorth Mortgage. <P/>We received notification from our Agent on XX/XX/XXXXwith documentation that shows the buyers clearly were not qualified for the loan. <P/>We are now living in an empty home and have our goods being shipped to our new location, costing us thousands of dollars, adding stress to our lives and potential for our own financial issues due to the buyers and lenders negligence. <P/>We are filing this complaint to address this issue and make awareness to sellers who fall victims to lenders and real estate agents that assure buyers meet qualifications.

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 2017-09-27
Company: ATG Credit, LLC
State: AL
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:
On XX/XX/XXXX, I applied for a vehicle loan and was denied due to information on all 3 credit bureau reports which reflected I owed {$3000.00} to a " XXXX XXXX ''. I immediately contacted the company who indicated this was a student loan. I informed them I never applied or received any funds from a student loan. I filed a report with the Federal Trade Commission. XXXX XXXX then begin reporting the account under : ATG Credit LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX. When I contacted the Company and requested a copy of all documents relative to this debt specifically signed loaned documents, cancelled check stub or related bank account funds were sent to, the agent hung up. This is ID theft. I never applied for or received any funds from XXXXXXXX XXXX or ATG. I did not received my drivers license until XX/XX/XXXX. I would appreciated your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
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: Information belongs to someone else

Complaint:
Multiple accounts on my reports I do not recognize

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My wife and I have been involved in a suit against Ocwen for the third time, along with an illegal foreclosure, they have also, been crediting our account late in nearly every instance up to over 30 days late, never receiving a statement as to how they posted the checks, and playing with the numbers on our escrow. We continued to pay on the mortgage until they returned our check and would not accept any payments till the shortage was satisfied. The payments were in excess of what Ocwen originally set at the previous closing which we knew was not enough to fulfill the escrow requirements. Ocwen also would n't let us make payments on line, so when we discovered the payments going out of our checking late, we started sending them certified return receipt. Both first and second mortgage payments were mailed together. The list goes on and on! We are hoping that you can intervene and assist our attorney in settling this matter which has thus far cost us in way excess of {$30000.00}. They have kept us completely in the dark as to our mortgage, and has kept our property in hawk for the last 9 years. We have had mortgages all our life and have never been treated like this! We currently have a lawyer trying to settle this, but it seems like it just keeps going on and on. 
Note that our attorney has a telephone conference with them and a Judge to resolve this however they are not offering nearly enough in compensation, and we have applied for a new mortgage in order to rid ourselves of dealing with OCWEN. The time line is very close the telephone conference is on the XX/XX/XXXX and the bank is waiting on the finial appraisal. 
XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been having an on-going problem with Equifax. This sub-standard company is violating Federal Law at will and does not care about customer service, proper conducting of investigations and continually reporting false information and undocumented information in violation of law. I had an ID theft ( prior  complaint filed XX/XX/19 ) back in XXXX of last year. ALL other credit bureaus removed the false accounts but not Equifax. They have been supplied with ALL documentation yet they keep reporting this account : XXXX XXXX and XXXX on my report. There is no reason to continue reporting this false information. I am really shocked a company like Equifax would do this. I have been denied employment as a result of this false information and I fully intent to sue them for damages if they do not remove this. Please help. Hold them accountable for this!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-04
Company: Experian Information Solutions Inc.
State: WA
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:
Experian started a dispute without my permition it knowing of such contacted Experian they said that don't care in result of lose of good credit distorting my credit scoring is theft and fraud from within Experian

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 2019-07-16
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am being contacted by Commenity Bank on XX/XX/XXXX and XX/XX/2019. They are looking for a relative. They are calling my mobile phone number. I never provided them with this number. I do not wish to be contacted or involved. I have asked that they cease calling me. I can not believe that a company has the audacity ( much less the legal right - but apparently they do ) to call a totally uninvolved party seeking information on someone they think owes them a debt. Apparently, they go " sleuthing '' through the Internet to identify people with the same surname. Talk about an invasion of privacy!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have recieved multiple calls from a collection agency stating I owe {$340.00} to Fifth Third Bank. Upon asking for verification of the debt Im told it will be emailed to me. It never was. After calling back I was told they do not provide proof of debt, only payment arrangement letters. 

I wasnt able to catch the name of the company however the contact phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Upgrade, Inc.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
This company is very misleading and inconsistent between representatives. I spoke with representative # 1 in XXXX- beginning of XXXX to make a plan to get my account current. At that time my account was delinquent with a XXXX XXXX XXXX which included XXXX bill of XXXX. On XXXX XXXX I made a {$500.00} payment and the on XXXX XXXX I make a {$500.00} payment bringing the account up to date and current. On BOTH the company website and the App my account reflected CURRENT. On XXXX XXXX my account is now reflecting 3 days past due for XXXX ( which now is accruing interest ). I spoke with a representative # 2 who claimed that I actually owed XXXX which was not reflecting ANYWHERE on the payment DUE on both the App and the Website. The representative # 1 that I spoke with making this plan early Mar/Apr said that what I saw as the payment DUE which at that time was XXXX was what I needed to pay to make my account current. At this time my account is PAST DUE with a balance of XXXX and I have no clue where this balance came from. XXXX has been paid and the account has been current as I stated. Representative # 2 claims that I was supposed to get the balance of XXXX from my statement to be current, but if that were true BOTH the App and the website would have reflected that balance as well, but it did NOT show that balance. This company is VERY misleading and predatory with extremely high interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-27
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I sold my fathers home after he XXXX and was rightfully due all escrow overpayments as well as a check that was sent in my dads name. The check was for compensation for how I was treated during a loan modification for the home which I applied for after his XXXX. I sent Wells Fargo mortgage all of the documents they requested to receive the escrow and check, in my name. This process started as soon as I closed on the house on XX/XX/XXXX. I also requested they send me back some of the fees I paid, which they agreed to do. I received several letters from different loan dept employees. Some asking for more documents ( which I immediately sent ) some asking for docs they 've already received ( which I called and verified ) and some stating they need additional paperwork which they could n't even state what they needed because it was a legal matter and I 'd have to contact an attorney. I showed an attorney everything I sent to Wells Fargo and he said there is nothing more they should need from me and sees no reason why they are holding my money. I 've made several calls to the mortgage dept and NEVER got a straight answer about whet more needs to take place for me to receive my money. I spoke with them on the phone at least a dozen times. The last two calls I made was the last straw. I was told that a check was sent out to me and that it was endorsed and cashed on XX/XX/XXXX. I never received any check from them so I asked her to scan and email a front and back copy of the check so I could see who forged it. She said they were not allowed to do that. So I asked what the endorsement on the back showed and she said it was n't legible. I asked her where the check was mailed to and she said it went to the home which I sold. I asked why would it be sent there when they were paid in full for the home and knew I no longer resided there. ( I had given them my new address, several times ). She had no answer for that. I asked her to send me some sort of proof that a check was ever sent and she said she could n't but I would be receiving a letter from them about the issue. I said well the only issue is I want my money and you are refusing to pay it to me .... PERIOD!! To date, I have not received any correspondence from them, whatsoever. 
I have been treated like a criminal from day one from Wells Fargo mortgage dept employees. I do n't have the money to hire a lawyer nor should I need to. I have never dealt with more unprofessional, or inadequate employees in my life!

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 monetary relief
Consumer complaint received 2020-04-23
Company: ALLY FINANCIAL INC.
State: CT
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:
Car was paid off. Late fee of XXXX was paid. I recieved title and it still reports as charged off

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i asked both companys to remove these inquirys from my report and they keep denying me yet they havent provided me with proof of each and every inquiry from my reportas required by law

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 2017-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX XXXX XXXX is reporting a closed account as open. The account is a old account and should be removed. 
XXXX charged off this account back in XXXX XXXX 2015 and is reaging this account to show a negative account on my XXXX XXXX reports. Every month they 're aging the account to show a current delinquency on a charged off account. The amount charged off was {$19000.00}. I have tried to resolve this matter numerous times with XXXX to report this properly by removing this account. XXXX continues to inaccurately report data on a charged off closed account by reaging it. This is a violation under FCRA.

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