BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-25
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Company name is called Penn credit corporation sent out disputes letter and debt validation letter for proof no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
name on my report is wrong, i have accounts on my report that are not mine : XXXX Name identification number : address : XXXX XXXX XXXX XXXX, FL XXXX Address identification number : XXXX Type of Residence : XXXX Geographical Code : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-10
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:
XXXX Credit Reporting Bureau XXXX Equifax Address:XXXX  XXXX XXXX XXXX XXXX GA XXXX Re XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXX XXXX  XXXX XXXX XXXX Account # XXXX Dear Sir or Madam ; I disputed the referenced accounts above on ( XX/XX/XXXX ). The credit report of ( XX/XX/XXXX ) shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. 

In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : *FCRA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] *Requirements relating to reinsertion of previously deleted material. 
*Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
*If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. 
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. 

Not only were they re-inserted illegally, but these accounts do NOT belong to me. I have provided you with a plethora of documentation to support being the victim of identity theft. 

I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report. I have included the FTC, and my attorney. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Netspend Corporation
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
The checking account was closed without my authorization on XX/XX/XXXX. I was told that my remaining balance of {$110.00} would be issued to me within 7-10 business days. The funds were never received. 

On XX/XX/XXXX, I emailed customer support for an explanation and update on the status of my remaining balance. I was told that they are unable to help me via email. 

On XX/XX/XXXX, I spoke with customer support. An indemnity letter from the depositor ( my payroll provider ) was requested before they issue the remaining balance to me. I then spoke with my payroll department and indemnity was mailed as requested. 

On XX/XX/XXXX, I spoke with customer support again. The first indemnity letter had been rejected and a second indemnity letter was requested. I then spoke with my payroll department and second indemnity was mailed as requested. 

On XX/XX/XXXX, I spoke with customer support again. They said that they would attempt to return the funds to the depositor ( my payroll provider ) within 6 business days.

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 2022-03-25
Company: Ability Recovery Services, LLC
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: Reporting company used your report improperly

Complaint:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

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 2021-01-10
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX was removed from my credit reports, ( EXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ), when I successfully disputed XXXX XXXX of {$170.00} Termination Fee. I do not and I have never owed XXXX a {$170.00} Term. Fee. I have statements I paid from XXXX ( {$10000.00} ) .I paid every month, even the last three months that I had no internet connection or land phone ( XXXX XXXX ) .I terminated XXXX XXXX. Via phone on XX/XX/XXXX and Returned Equipment XXXXI PAID all charges owed through XX/XX/XXXX. XX/XX/XXXX they tacked on a Termination Fee I didn't owe, had never been told of or spoke of from any XXXX XXXX a Fraudulent, illegal charge. In XXXX XXXX when the fraudulent charge was removed from all of my credit reports, XXXX went to another Collection agency-icSystem, letter dated XXXX-Received XX/XX/XXXX, with the same illegal fraudulent charge. Letter is threatening me, if I don't pay the {$170.00} or at least settle to pay # XXXX the charge will go as a Collection against me within 30 days to all national credit agencies. XXXX blatantly gets another Collection agency to represent them to try to keep a fraudulent charge I never owed, against me on my credit reports. I had even paid for the months I had no service ( XXXX ). You can see from all of the accounts I have in good standing, no past due or over limit, I properly pay what I owe, but I don't pay wrong, illegal, fraudulent charges I do not owe.I do not owe Comcast-icSystems, or any of the XXXX Collection Agencies ( XXXX, XXXX, XXXX XXXX XXXX ). The audacity of XXXX to deliberitly and fraudulently attempt to swindle money out of an impoverished XXXX XXXX such as myself and to blatantly disregard all of the Credit Bureaus decision to remove the XXXX/Collection agency charge from my credit reports by hiring another Collection agency-icSystem thinking they could disregard/disrespect the Credit Bureaus and me by side-stepping through another agency to immediately keep attacking me.I attempted reasoning with XXXX XXXX, when I made a final payment to them of XXXX arrogantly refused to listen or reason. This fraudulent charge has cost me Insurance and Finances in a time of dire need.Can you correct/delete this problem? I have also contacted FTC. XXXXCollection Agencies should not be able to Illegally Harrass me for a debt I never owed, especially less than a week after the Credit Bureaus deleted it from my credit reports. 
Isn't it illegal to negatively charge a Continuity without express consent? Can you please Stop this erroneous bully XXXX from further harm of me and others. Thank you,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: OPORTUN FINANCIAL CORPORATION
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 information incorrect

Complaint:
In XX/XX/XXXX, I have taken a loan from OPORTUN, with the amount of {$2600.00}, 19 months loan term, payment amount is {$87.00} every two weeks. And I registered automatic pay from the very beginning, it automatically charges from my bank account {$87.00} every 2 weeks. It went well for more than one year. 

One day, in XX/XX/XXXX, I received their call about offering me another loan, I refused it, and told them don't call me again. After XXXX XXXX, they canceled my auto payment without my permission! Without any notice! I didnt know it until 3 months later! After I noticed my credit dropped dramatically -- -- more than 100 score. Then I realized I haven't paid for 3 months. 

On XXXX, I called and argued with them why they did this. They said : because you said don't call you again, so we cancel auto payment! And they asked to pay the rest of the loan plus the late fee {$620.00}. I paid them the rest of the load plus a late fee of {$620.00} as soon as possible to prevent further problems. But I didn't know that my bank refused the payment until 3 months later. So I paid off in XXXX. XXXX. 

All of those happened because they canceled my auto payment. But they still reported me to the credit bureau ( XXXX  and XXXX ) for 3 months late payment and 3 month charged off. Then my credit dropped a lot. It is totally unfair since all of this is not my fault. 

PS : You can see on documents, they wanted to report me for 3 month late payment on purpose that my bank automatically paid {$87.00} on XX/XX/XXXX, but they even returned it on XX/XX/XXXX. After that, they just canceled my auto payment. 

I try to negotiate with them to remove the bad record .They refused. I also reported to Credit bureaus, but failed. 

After I have the bad credit, I recently cant get any loan to support my life during the pandemic ; and every time when I think about what they have done to me makes me very sad, it had been affected my mental health significantly for more than one year.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
This bank collects overdraft fees even if the customer opts out of overdraft protection. They bully you if you do n't pay and want close your accounts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-10
Company: CCS Financial Services, Inc.
State: PA
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 received my credit report in the mail and notice this account on my credit report is incorrect. I then mail them a certified letter asking them to send me documents to Show me I owe the money they say I owe. The letter I sent out to this company got sent back to me as return to sender no such address exist but that is the address they are reporting on my credit report which is incorrect and grounds for the deletion.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX and Transunion for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Wow, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

COVID-19 has really messed me up

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX has requested a hard copy of my Credit Report which I did not request. It was reported by Experian on XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX, SD 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 2016-10-29
Company: KEYCORP
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
Key Bank requires online statements and payment in order to avoid a $ XXXX monthly fee. Because I have an older computer system that XXXX considers to be below its minimum standard for downloading the latest version of XXXX XXXX, my popup windows are not working to remind me of the calendar entry for paying my credit card. As such, I paid my credit card a week late. The Key Bank representative graciously waived the {$37.00} late fee but kept the {$.00} minimum charge to cover the additional interest, to which I agreed, because that is fair. As Key Bank, in an attempt to obtain prepayment of its outstanding balance, sets the next month 's payment as a two-month payment, even though the previous month payment has now been paid and late fee waived. I called Key Bank 's credit card customer service representative, who told me she nor her supervisor had the authority to modify the minimum payment to reflect the previous month 's payment. I have complained once before on this subject when I received this response once before, and Key Bank representative XXXX XXXX competently modified the minimum balance calculation manually. I am looking for this resolution again, but more important, I would like to solve this problem once and for all. I asked the credit card customer service representative, if I could schedule payments in the future when I receive my statement or, even simply schedule a recurring payment every month which will slightly overpay the payment as the balance is paid. Incredibly, I was told that Key Bank offered these features but no longer does so, features that other banks typically provide ( e.g. XXXX XXXX )! Accompanying this complaint are the two relevant screenshots, showing my attempt to set up a recurring transaction and how that feature is disabled once I enter the Key Bank Mastercard account as the recipient of the monthly recurring transaction. I would like to be able to make a recurring transaction because of my inability to receive reminders from my electronic calendar.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: GLA Collection Company, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX/XXXX/16 I received a phone call stating that I owed {$1800.00} to GLA collections regarding a debt from XXXX XXXX. XXXX the representative stated that many letters had been sent to my home address. No letters were ever received. He said he would send out a new XXXX. A week later I received the letter stating the debt, there is no remedy to dispute the debt on the letter nor any policies of GLA collection services for the state of New York on either the front or back page of the letter. I wrote to the address listed on the letter and sent it to them certified mail disputing the debt as it is not accurate. On XXXX XXXX I received the mail certification returned to me stating " return to sender undeliverable ''. 

On XXXX/XXXX/16 I called XXXX at GLA collection services and asked if they had received my letter and they said they had although I have proof from the USPS it was n't delivered. He then stated that an associate in charge of sending out the itemized debt was sick and thats why I had not received the itemized debt statement. I told them that I do not trust any letters that they sent because like the original collection notice they claim was sent several times, the itemized letter was not sent. I also stated how unprofessional it is to tell someone who is disputing the debt that because an employee is sick is the reason why the letter was n't sent. He assured me that the letter was going out XXXX/XXXX/16, today is XXXX/XXXX/16 and still no itemized letter has been received. 

I also asked him that until we could resolve the debt and amounts, GLA should remove the item from the credit reports, he stated that was not possible. He said just pay the debt and we can remove it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I went through a divorce where i was to remain unharmed from the credit card listed on the judgement from the court order my ex wife was to remove me but has not done & it has affected my credit score to Acquire a home loan

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have contacted Right Path Service in XXXX to request my PMI be removed, I was told my account was not current, I immediately made a payment to bring account current because they are holding funds unapplied accounts for no reason, after bringing my account current, I requested again in XXXX to remove my PMI insurance, this company refused to honor my request, as I am eligible and my home had the require equity to remove PMI Insurance, this is not fair, these companies are making money off struggling homeowners, also, I am seeing other related charges on my statements : broker price option, is this illegal to keep adding extra cost to my mortgage. I have been approved for the XXXX program who makes my mortgage payment of {$1100.00}, and my current payment is {$1000.00}. This company is holding these funds in unapplied accounts and not applying to my mortgage. Please help me resolve this issue ASAP as the PMI Insurance needs to be removed ASAP. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed this utility debt through the credit reporting agency a couple of times. Which, they removed it from my credit report. However, the collection agency continues to reopen up the debt, ( which has already been paid directly to the service provider XXXX XXXX XXXX  ). 
I do have current service through the service provider and have had service at the same residence since XX/XX/XXXX. When I had service turn on at that time, XXXX XXXX XXXX  put me on a payment plan which has been paid in full over the course of a year. 
The collection agency is also reporting it as a " Loan '' to the credit bureaus. And causing my credit score to decrease. I refuse to pay this debt again. 
Also, the collection date started in XXXX, not in XXXX. Which they are reporting. 


The collection agency is : And this is what they a falsely reporting ' TRANSWORLD SYSTEM INC/ Original creditor : XXXX XXXX XXXX  XXXX XXXXAccount Info Hover over labels for more details Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Balance Loan Amount {$350.00} {$350.00} 0 % paid off Contact XXXX XXXX XXXX XXXX XXXX  XXXX PAXXXX  ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: EQUIFAX, INC.
State: PA
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:
Identity theft Unknown person open account in my name XXXX XXXX  XXXX also known as XXXX XXXX XXXX Date open XX/XX/2017 Amount XXXX dollars

Company response to consumer: Closed with non-monetary relief