BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-25
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Someone fraudulently took a loan out using my information. I disputed many times with experian. The most recent dispute I provided a police report and an identity theft report. Plus, I have a fraud alert and a freeze on my credit. If I was not an victim of identity theft why would I have the freeze and fraud alert? My dispute was denied even though I submitted a police report and I identity theft report. I do not know who took the loan out using my information but it is not fair that this credit reporting agency is continuing to victimize me by allowing this fraudulent account to stay on my credit. Also, they are victimizing me because they are pretty telling me I'm lying even tho I submitted proof that the account was obtain by identity theft. The account that is fraudulent is the Investigative reporting collection on the account. I did not obtain this loan, it was taken out using my information. I provided proof.

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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It May Concern, On XX/XX/22, I contacted XXXX XXXX XXXX company to inquire about a collection on my TransUnion report. The agent advised me that they do not have a collection and that I needed to send a screenshot of the erroneous reporting to TransUnion, which I did that day. 

Now, more than two months later, I am still seeing the collection on my TransUnion report. XXXX XXXX is stating they can not do anything about it because it's not in their records, and TransUnion never responded to my letter.

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 2016-08-23
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
On XXXX XXXX, XXXX I received a letter from Credit Collection Services claiming that I owed a debt to them from the original creditor of XXXX XXXX. The file number is : ( XXXX ) in the amount of {$670.00}. This is simply yet another example in a long line of fraudulent debt apparently obtained in my name. Within the last year, I have become a victim of identity theft to which someone has used some of my personal information, one of which my social, to obtain credit and then let if default. I am refuses this as my debt as I have not had an account with XXXX nor with any company alike. 

Regards, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Empowerment Ventures, LLC
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I have not been able to pay any bills or pull any money from the ATMSince XXXX XXXX, I had a bill pay deducted from my account on XXXX XXXX which has not been received by my credit card company, If consumers are receiving late fees, possibly a missed payment on their credit report that could be devastating to someone like me who has great credit. Its been 12 days since I had access to my cash.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-19
Company: CAC Financial Corp
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-10-19
Company: Empowerment Ventures, LLC
State: OH
Product: Prepaid card
Sub-product: General purpose card
Issue: Adding money

Complaint:
RushCard started a system update on XXXX XXXX that was to be complete on XXXX, it has been a week and the update has caused huge problems for cardholders. My direct deposit from work showed pending starting XXXX XXXX, 2015 and posted on XXXX2015, however the card has been showing inactive for a week. When you call customer service if you reach someone, they read this scripted message about a glitch in the upgrade and transfer you to another department which then rings and hangs up or you 're on hold for an hour or more and it just hangs up. I spoke to someone today, she pulled up my account told me how much my direct deposit was, showed it was posted but the card needed to be activated, transferred me to the activation department and the call went on hold for about XXXX minutes and then hung up. Now when you call the automated system has you put in your info, transfers the call, it rings a few times then disconnects. I have bee a RushCard member for a little over 2 years. I need to have access to my money. I have done everything RushCard has instructed me to do with no resolution to this matter. I know that thousands are affected by this and we need some help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-25
Company: Experian Information Solutions 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 XXXX XXXX XXXXXXXX XXXX  Account # XXXX, 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 15 U.S.C 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 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 2016-06-25
Company: FORD MOTOR CREDIT CO.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Customer made a timely payment to Ford Motor Credit on Thursday, XXXX XXXX, 2016 before XXXX eastern time. Payment was made by telephone ACH - bill matrix with confirmation number # XXXX. Ford did not credit the account correctly until XXXX XXXX. The account now reflects 31 days past due when it is not past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I complained about this company, XXXX, before and the company claimed that they would look into it, but did not provide any proof that they have any information showing that my credit is still linked to 9 prior addresses. I have asked repeatedly that the old addresses be removed and they refuse to do so. This is prejudicial to my credit and this information needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The agency that keeps calling hangs up every time I answer our COMPANY TELEPHONE. I have called back due to our caller ID and it turns out to be a credit card company who keeps calling for XXXX of our FORMER employees which I have stated to them. They tell me they will remove our number and do not do it. This is becoming a problem because they will not stop HARRASING us.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
In XXXX 2016 I received Two credit cards in the mail from capital one on the same account one the primary holder and the other the additional holder with XXXX XXXX dollar credit limit. I used the card once and attempted to use it a gain and it was dishonored a fraud alert had been put on it. I looked up the account online and found out it had been restricted and I needed to call them. So I called them and verified that I had used the card and they said that the restriction would be lifted in 72 hours that was in XXXX it is now XXXX 2016 and they are still on restriction and they refuse to give me a written reason. they have collected all kind of personal id documents from me. In view of the XXXX situation I am wondering what is really going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft and noticed a collection from Credit Coll. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Credit Collection in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Kohls call me at least XXXX times a day! I have asked them to stop and even informed them that they have closed my account. They were supposed to stop calling me for XXXX days and send me something to do a cease and decease i believe, but that same exact day I was still receiving phone calls that never stopped! It is annoying and im starting to feel like they are harassing me, my voicemail fills up in less then two weeks with numerous messages from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Over a year ago I received in the mail and letter from Owen Mortgage, indicating my mortgage load had been cancelled, the amount of. {$140.00}. When I called several time inquiry about the deed I got no response, just shifting me from one department to another. Next a Sheriff appeared to evict me from my hone, with a sticking type paper. When I inquired she said, " You got to get out :. I was absolutely deviated, where I felt that XXXX was the only solution. However, friends rallied around me, and that day I went to the court ( XXXX ) to file an appeal. I was asked to submit a letter, to the judge explaining my situation. A week later I received notice for a hearing XX/XX/2015. Where I appeared before the judge, but the lawyer representing XXXX, XXXX, XXXX law firm, did n't allow me to get a word in edgewise.. So I filled an official appeal with both courts. 
XXXX. XXXX XXXX XXXX appear to be apart of the fraudulent behavior as their name is listed too., Please help me I have lived in this home for 21 years, I 'm a XXXX XXXX, with no relatives in the area. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX HOME XXXX XXXX XXXX CEL

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
tere were several accounts opened in my name by an girlfriend who was living in my home several accounts have been closed and are no longer affecting me how ever this account is still on my credit report after I have sent several police reports, court documents and jail records to the agencies and disputed the accounts directly as well and with collectrion companies

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I submitted a dispute on my charge card and advised i did not authorize XXXX transactions that posted on my account. I filled out the fraud dispute form and faxed a copy of my drivers license they have not credited my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: Paypal Holdings, Inc
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have used paypal for many years. In the past years they have introduced a paypal credit concept. It never bothered me since it was assumed that I could just never use this account as I never needed it. 

Fast forward to this month. I find out that all of my transactions now default to paypal credit and I can not change this setting. I got hit with XXXX late fees and XXXX interest fees. The total payment I made was {$110.00} of which {$64.00} was late fees. This is an exorbitant amount of late fees and interest fees. The late fees make up for 57 % of the total payment. 

To add insult to injury, I tried calling paypal. They put me on hold for an XXXX before I decided to try to reach out via email instead. 

When I composed the email, the paypal site promised me a XXXX hour turn around. That was XXXX weeks ago. I have yet to get any sort of reply. I am starting to think that there is no customer service at all at paypal. 

Another point of complaint is that the only way that I knew I had late charges was because they sent a letter to my old address. My address is up to date on paypal yet they sent it to an outdated XXXX. No emails were sent to me and no calls were made to tell me that I was overdue on an account. 

This is fraud in that they forced me to use paypal credit when I did n't opt in to the account then charged me with late fees and offered no way for me to talk to anyone at paypal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-20
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Please review previous complaint, case number XXXX. I believe the current issue is related to this case. 

During an interview last week ( XXXX XXXX, XXXX ) with a federal agent to renew my security clearance with the federal government, I was made aware of negative entries on my XXXX credit report, specifically XXXX references to a XXXX XXXX account that is supposedly in collections. The dollar amount is similar to a previous case ( See my complaint, case # XXXX ) where a debt was mistakenly attributed to me and I was targeted by a collection agency. As you can see from the attached documentation and from the notes in the previous case, this debt was never mine and was eventually cleared ( supposedly ). In a letter dated XXXX XXXX, XXXX, the Collection agency stated that XXXX XXXX notified them that the account had been cancelled and removed. 

I am not sure the XXXX accounts listed on my current credit report are related or not. However, I have never been contacted by XXXX XXXX at any time, and I have never been contacted by a collection agency since this issue was supposedly cleared last year. The reference to it on my credit report is my only indication of a problem. I have already disputed both accounts with XXXX. 

This debt is not, and never has been mine. I know nothing about it other than what I see on my credit report. However, now it is directly affecting my credit rating, and worse, it may potentially affect my security clearance and therefore my prospects for future employment.

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 2016-07-26
Company: Brelvis Consulting, LLC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I called the " student loan help center '' at XXXX. It took multiple attempts as their line kept hanging up on me. After reaching a human and 37 minutes of me giving them my personal info, they said I had to pay a one time fee of {$990.00}. As I 'm eligible for total forgiveness. My loans exceed more than half of my income as I 'm on social security from a head on accident. I told the guy that there has to be a way to file " these forms '' without paying {$990.00}. Call was recorded and they made me acknowledge permission to record

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Paypal Holdings, Inc
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
My XXXX has seen an increased surge in business over the last 6 month, I am a one man show / XXXX. My company has existed for almost 11 years doing $ XXXX+ annual in sales. Due to increased sales i have hit a production limit and been unable to complete transactions in a timely manner ( typical is 3 days, current is 3 weeks, My fault ), However Paypal has decided that I have issued to many refunds ( not chargebacks, standard refunds amicably done between my customers and me ) and have therefor suspended and closed my account and are holding near $ XXXXUSD hostage. They will graciously allow me to process payments for which they will collect and charge thier fees for but will hold ALL FUNDS for 180 days with XXXX release, effectively forcing me to either close down or finance my business for 6 months via other means while they hold my money and charge me fees on it. This is completely unacceptable and I am pleading for help to have my funds released back to my care. I do not want to save relations with them or utilize their services, I simply want MY money back. please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-14
Company: Paypal Holdings, Inc
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I was the seller whom a Paypal dispute case was opened against by a buyer. Paypal 's contract states if/when the dispute is decided against the seller and the seller 's account is negative to transfer monies into the Paypal account to make it even. Before a resolution was ever reached Paypal tacked on an extra unauthorized {$230.00} to a separate credit card purchase transaction by me. When I called Paypal and asked why I was told, " the computer does it automatically and I see your concern of how that goes against our policy. '' Basically they admitted the wrong ; however, would not return the monies to my credit card. Said monies were not returned until I filed a complaint with XXXX XXXX of the fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30
Company: Residential Credit Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
Residential Credit Solutions , Inc. acting as the Servicer of this mortgage has failed to meet all of its requirements under XXXX and illegally foreclosed on my personal home by selling it at auction on XXXX/XXXX/2015. The direct violation of XXXX law is based on RCS improperly and unfairly reviewing my loan modification request for relief. i have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. In addition RCS denied me help several times and i never got a single person to answer my questions honestly or directly. RCS Mortgage illegally commenced and conducted an illegal foreclosure without offered any workout relief options for me. They have clearly violated XXXX specifically under the " dual tracking '' clause. RCS instructed and allowed the foreclosure trustee named XXXX o illegally foreclose on my property. there was no reason why RCS should have denied my request or conducted a the illegal foreclosure.

Company response to consumer: Closed with explanation