BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-22
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not a duplicate complaint! I reference the previous complaint number but it is new information in detail. 

In response to CFPB complaints # XXXX. My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX for violating a cease and desist notice they received XX/XX/XXXX  and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached a Cease-and-Desist notice, Exhibit A which is a copy of the account reporting on my Experian consumer report, Exhibit B which is a copy of their response to CFPB complaint # XXXX, and a XXXX  of an FTC report that will be labeled as Exhibit C when filing litigation in Federal Court to this complaint. PDQ Services Inc stated, that they invite you to write us directly at XXXX XXXX  XXXX, XXXX, GA XXXX. I never contracted with them and they have no reason to have my identifying information. Also, pursuant 15 USC 1692g ( c ), I have not validated any alleged debt with PDQ Services Inc and my failure to dispute the validity of these alleged debt shall not construct as an admission of liability. PDQ Services Inc " stated your dispute above is too vague and we need more information to complete an investigation. As of XXXX XXXX I have not received any documentary evidence, such as a trilateral contract, giving PDQ Services Inc any right to collect on this alleged debt. It is my belief that PDQ Services Inc are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. PDQ Services Inc also stated " we will be happy to provide a proper response. I have never received any documentation requesting by attempting to furnish validation from PDQ Services Inc before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If PDQ Services Inc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me the consumer, prior to furnishing it on my consumer report, this has been a fraudulent furnished account with forethought and malice as an attempt to bring

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have been harassed, violated, lied to and a victim of fraud by American Express. I have tried and tried to get this matter handled and they have done nothing but deceive me. On or around XX/XX/XXXX, I sent American Express a third communication attempt via XXXX registered mail asking them to via debt on three business accounts which they were threatening to report on my consumer credit file. Not only did they not validate either of the three accounts still to this day. They sent me email correspondence saying that they wouldn't report the accounts to personal consumer report, and they would cease and desist with any further collection activity and communication. They lied. Today is now XX/XX/XXXX, and they have now been reporting these accounts to my consumer report for months damaging my consumer credit report and reputation. In doing this they have cased personal damage to me and have committed fraud against me along with countless other violations. Violating me as a consumer, an original creditor, and man of live flesh and blood. I have also sent them several other letters in connection with these accounts and have completed an administrative process. All correspondence has been sent to then XXXX registered mail with return receipt, showing they have received it. In commerce silence is agreeance and they are in dishonor. This is my last chance to get this rectify this issue before moving forward with a lawsuit. I am attaching several different communications between myself and American Express. ( All communication not provided ) Herer are some of the violations listed below. 
15 USC 78 ff 15 USC 1611 15 USC 1692 15 USC 1692 ( c ) 15 USC 1692 ( e ) 15 USC 1692 ( g ) 15 USC 1692 ( k ) 18 USC 242 18 USC 1001 18 USC 1002 18 USC 242 42 USC 1983 42 USC 1985 ( 1 ) 42 USC 1985 ( 2 ) 42 USC 1985 ( 3 ) 42 USC 1986

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Second mortgage transferred from XXXX XXXX XXXXXXXX to Carrington Mortgage on XX/XX/XXXX of XXXX. I was under a loan modification in both mortgages 1st and 2nd. 
XXXX XXXX holds m

y 1st mortgage till today. 2nd mortgage never contact me to fin
ish the loan application. From XXXX till XXXX I couldnt find any information about my loan, until XXXX XXXX XXXX. Left a note on my front door. 
I reached out to them and found 2nd mortgage was transferred from Carrington mortgage on XX/XX/XXXX of XXXX. They only contact me on XXXX. 
House is in foreclosure and I tear of {$56000.00} fees are applied and the total amount is {$130000.00} Still trying to reach out XXXX By fax, email, mail letter and dont get a response. They have no records of any loan under my name property address or SSN. 
. 
What should I do? My attorney is not doing anything it looks like. Hearing was XX/XX/XXXX and I am waiting on some of the fees to be removed but Speciali loan service are not willing to do that or negotiate or application for a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: DISCOVER BANK
State: NY
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 placed an order through XXXX ( XXXX # XXXX ) on XX/XX/XXXX for a total amount of {$7200.00} paid by my Discover card ending in XXXX. On XX/XX/XXXX I contacted the seller ( XXXX ) to cancel the order since it was sent to another address. The seller gave me excuses about different tracking # 's as to why it was sent somewhere else & I agreed to continue with the order. He then told me he was having trouble sending it & wanted me to place a duplicate order. On XX/XX/XXXX I advised him to stop the shipment & cancel my order. I never received the order & I've sent multiple forms of proof to Discover Card. They did not accept this & they are now billing me for product I never received. I just received my bill & it now shows two transactions in the same amount from XXXX. it also shows that XXXX did refund the total amount for {$7200.00} on XX/XX/XXXX. Discover billed me erroneously for 2 transactions & every time I contacted them to dispute this, they turned down my evidence. Today @ XXXXXXXX XXXX I made a last attempt to call them to resolve & reverse this erroneous charge with no resolution. I am attaching the canceled shipment by XXXX, the statements from the vendor who says he refunded me as well the proof that XXXX refunded me on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-04
Company: Experian Information Solutions Inc.
State: VA
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 XXXX XXXX ( company ) took out a business loan based on the company 's XXXX bank statements with XXXX in 2019. The interest rate and payments applied to the account were in dispute. The account went to litigation and was paid in full by the company as a settlement agreement recorded in the court. 

Experian Credit reporting agency has wrongfully continued to report this account on my personal credit report as a charge-off and late payments. 

XXXX XXXX XXXX XXXX, is a corporation ( XXXX XXXX XXXX ), not a sole proprietor. The loan agreement was based on the company 's bank statements and payments were deducted weekly from the company 's business account. I was the authorized representative for the company. XXXX made no attempt to collect from the company and proceeded with unfair collection practices by reporting the disputed account on my personal credit file in an effort to collect payment from the company. 

The dispute was settled in litigation and paid in full. 

This information should not be reported on my personal credit file. The loan was a business loan based on the company 's bank statements and was in dispute and ultimately litigated for over a year and a half. 

The file should be deleted from my personal credit file.

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 2022-04-23
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted the XXXX XXXX XXXX, XXXX on XXXX to dispute the bill on my medical report because they represent a company that did not send the medical bills to the VA for pay, ent. I am XXXX XXXX  service connected and the VA pays all medical bills. I called them with the VA on the line and gave them the info for submitting the bill for removal from my credit report. They continued to call and harass me and continued to report my credit to collections. 


I contacted XXXXXXXX XXXX XXXXXXXX by phone ( XXXX ) XXXX with the and notified them I was making a formal complaint because I contacted them on XXXX to dispute the bill on my medical report because they represent a company that did not send the medical bills to the VA for pay, ent. I am XXXX XXXX service connected and the VA pays all medical bills. I called them with the VA on the line and gave them the info for submitting the bill for removal from my credit report. They continued to call and harass me and continued to report my credit to collections. 

I contacted XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX They have repeated threatened me all of XX/XX/2022 to destroy my credit for medical bills because they represent a company that did not send the medical bills to the VA for pay, ent. I am XXXX XXXX service connected and the VA pays all medical bills. I called them with the VA on the line and gave them the info for submitting the bill for removal from my credit report. They continued to call and harass me and continued to report my credit to collections. 

I contacted Wakefield and Associates, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX They have repeated threatened me all of XX/XX/2022 to destroy my credit for medical bills because they represent a company that did not send the medical bills to the VA for pay, ent. I am XXXX XXXX  service connected and the VA pays all medical bills. I called them with the VA on the line and gave them the info for submitting the bill for removal from my credit report. They continued to call and harass me and continued to report my credit to collections. 


Wakefield and Associates, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX They have repeated threatened me all of XX/XX/2022 to destroy my credit for medical bills because they represent a company that did not send the medical bills to the VA for pay, ent. I am XXXX XXXX service connected and the VA pays all medical bills. I called them with the VA on the line and gave them the info for submitting the bill for removal from my credit report. They continued to call and harass me and continued to report my credit to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Being a frequent user of Venmo, I was shocked and outraged that Venmo took {$850.00} out of my account, without my permission, to reimburse someone I have never had a transaction with, who had either scammed me, or was another victim of this scam. I reached out to the Venmo customer service team on multiple occasions and was looped in circles without anyone providing an explanation or solution. 

As Venmo can clearly see when looking at my account history, I received {$850.00} from a person named XXXX who then requested the same amount sent back, saying that she had sent it in error to me. I looked at her profile, and since it appeared legitimate, I completed her request to return the {$850.00} back to her, evening out my account to where it had been before the two transactions. 

Then, a few weeks later, " Venmo Disputes '' took {$850.00} out of my account, claiming that it was the final resolution to a dispute that was filed by someone named XXXX, who my account shows is not someone I have ever had a transaction with. If this XXXX was a victim of this scam as well, her reimbursement should not be coming out of my personal account balance. 

Any time I called customer service, the agent looked through my account and understood the situation, recognizing that I should not be held liable for that money. However, they could not do anything about it, since it needed to be handled by the Venmo Disputes department, who are not available by phone. The agent would " reescalate the case '' with their thorough notes on our conversation, but any responses from the Venmo Dispute team were fully automated and did not address my questions whatsoever. They merely stated that they had fought on my behalf, but did not win, so the case was closed. 

Venmo taking money out of my personal account to contribute to this scam is completely unacceptable and a poor business practice. I should by no means be held liable to return {$850.00} to anyone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-22
Company: EQUIFAX, INC.
State: CA
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:
Hard inquiries by these following companies I will list underneath broke the law according to the FCRA [ Farir Credit Reporting Act ] " NOTHING CAN BE FURNISHED ON YOUR CREDIT REPORT WITHOUT YOUR CONSENT IN WRIGHTING

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions 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 status incorrect

Complaint:
I originally sent a complaint about non accurate reporting on my XXXX XXXX XXXX XXXX  account it has not been properly reported by the major credit bureaus under The Fair Credit Report Act. ( 15 U.S.C. 1681 ( a ) ( b ) Under 15 U.S.C. 1681 ( I ) please update account with 100 % accurate information under the FCRA this is having a very negative impact on my credit. 


Experian, XXXX XXXX, XXXX I am Writing this letter in regard to some of the deficiency 's in my credit report. A credit report should have 100 % correct information and reporting and not be misleading to potential creditors. Some of these items in regards to my XXXX XXXX XXXX XXXX  account listed on my credit report as ( XXXX ) are very misleading these also hold fines between XXXX dollars in violation of the Fair Credit Report Act. ( 15 U.S.C. 1681 ( a ) ( b ) Under 15 U.S.C. 1681 ( I ) I am asking for this information to be updated. All monthly payments should be reported on time. Late Payments From XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX XXXX Should be updated as Paid on time. In XXXX XXXX  XXXX 2 Bureaus are reporting 30 Days Late the other is reporting on time this is not 100 % accurate. XXXX XXXX  XXXX 2 credit Bureaus are listing Late the other listed on time this also is not 100 % Accurate and needs to be updated to a on time paid status. Finally XX/XX/XXXX 2 agency 's have not reported and one shows 30 days late again this is in accurate information. Attached is my credit report from all 3 major Bureaus. Also the open date is not reported accurately 2 bureaus show an open date of XX/XX/XXXX and the other is reporting XX/XX/XXXX this as well is not 100 % accurate. In total With deficiency in the open date, Last Payment, Payment History, Original Payment and Monthly Updates there are 7 violations and misleading information that needs to be updated and corrected in total there is a max of XXXX in violations under the ( FCRA ). Under the FCRA if there is not 100 % correct information this information needs to be removed and updated 100 % accurate.

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 2022-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
XXXX XXXX XXXX continues to break federal law. XXXX XXXX XXXX is reporting wrong data and different data to all three credit bureaus as you will see in the attached documents. 

With XXXX they are not reporting that this is a medical bill. 

With XXXX XXXX XXXX XXXX is not reporting that the account is In dispute They are misreporting the account type which should be medical billing. 

You will see how they are intentionally and maliciously reporting contradictory data across all three credit bureaus in fact not one report matches another whatsoever! 

With XXXX they are reporting The status as unpaid when this should say closed With XXXX, XXXX XXXX XXXX is not reporting that the account is In Dispute With transunion, XXXX XXXX XXXX are not listing this account as In Dispute With transunion, XXXX XXXX XXXX is not lIsting this account as a medical bill Under account type You will see with transunion the account type is being reported incorrectly as open account when they have closed it with another credit Bureau, and the account type should be medical bill which it is not. 

With transunion, you will see they have not even listed account status, XXXX XXXX XXXX just reports random data inconsistently and inaccurately across all three credit bureaus with no ryhme or reason, and this is illegal and it has gone on for too long! 

With XXXX, XXXXXXXX XXXX is reporting in the account type here collection account completely different than the other two credit bureaus! This should be listed as a Medical Bill as the type! 
And the account status in inconsistent with the other reports cause they just ignored that entry. All together! 


With XXXX, XXXX data is reporting in the account type here collection when they have reported it closed on other Bureau reports! 
This should be listed as a Medical Bill as the type!, And the account status in inconsistent with the other reports cause they just ignored that entry again this month All together!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27
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 have fraudulent accounts reporting on my credit report. It do not belong on there. I have documents of SSN, DL, Fraud Report and proof of Light Bill. Please remove negative accounts and personal information on the fraud report!

In accordance with the Fair Credit Reporting Act XXXX, the accounts listed on my attachments 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 2022-03-29
Company: AES/PHEAA
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
DEBT WAS PAID UP. DEPUTE THESE ITEMS AND WAS PAID. [ FED LOAN ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-20
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have submitted disputes to you and I didn't get a response within XXXX  days and ya 'll are required by law to do so. Please investigate my disputes, please. 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 non-monetary relief
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo called me Friday XXXX about transactions that look wrong. They were. We cancelled my atm card and they were going to issue a new one that would be sent fed ex in 1-3 business days. On Monday, I had XXXX transactions on my account with a different atm card ( that I had not received yet ) that they approved... XXXX were cash and XXXX was XXXX XXXX. totaling over {$1400.00} even though I had not signed off on a new card from fedex or would have even received it and then travel over 2000 miles away to Florida to do XXXX atm withdraws. They are stating that even though it is their error. I must wait XXXX business days for them to investigate.

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