BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-25
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am writing to report that the above debt collector violated Fair Debt Collection Practices Act ( FDCPA ) and reported invalidated debt into Credit Reporting Agencies.

Upon reviewing my personal credit report on XX/XX/XXXX, I noticed that XXXX XXXX XXXX was showing on my credit file with XXXX, and XXXX credit report. The debt collector reported derogatory information to the above credit reporting agencies. I have no knowledge about the reported unpaid debt and debt collector. I have never received any letter or correspondence from the above debt collector that I owe debt and the name of the original creditor to whom the debt is owed. The amount of the above debt is {$580.00} and appeared on my credit file as unpaid debt as of XX/XX/XXXX.

All my accounts such as credit cards have been settled with creditor and I pay every month as I agreed.

The XXXX XXXX XXXX violated FDCPA and reported invalidated debt or portion thereof as delinquent account. I consider this action as a fraud under both federal and state laws. I have already initiated consumer dispute with Credit Reporting agencies and this is continues to report to any of my credit reports by XXXX XXXX XXXX, I will not hesitate in bringing to legal action against them under Violation of Fair Debt Collection Practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: Atlanticus Services Corporation
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A Credit card was Opened In my Name with which Was Fraud I did Not Authorize The company to do so Which means This Was FRAUD

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: Experian Information Solutions Inc.
State: MO
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:
I have disputed and requested the removal / blocking of the following accounts that's continuing reporting on my credit report inwhich I still haven't been provided with the Method Of Verification inwhich was used to determine the legitimacy of these accounts ( 1 ) XXXX XXXX XXXX XXXX {$950.00}, ( 2 ) XXXX, ( 3 ) XXXX XXXX, ( 3 ) XXXX XXXX XXXX {$180.00}, ( 4 ) XXXX XXXX XXXX {$210.00}, ( 4 ) XXXX XXXX XXXX {$260.00}, I do not have absolutely any relationship nor contract with the above companies. I also requested the Method Of Verification inwhich supports their claims, I want to know what was the method of communication, via phone, email, text, fax, etc. Inwhom talked to whom, what date, day, and time. What physical documentation was provided, etc. And as an consumer and within the laws stated within the FCRA I'm entitled to this information, and if this is not provided to me then the above accounts shall be removed, blocked and/ or deleted immediately. Your cooperation is Appreciated!

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 2022-05-30
Company: Experian Information Solutions Inc.
State: WA
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:
N accordance with the Fair Credit Reporting act, -XXXX  XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX -XXXX XXXX XXXX, account # XXXX -XXXX XXXX XXXX, account XXXX XXXX XXXX XXXX account # XXXX -XXXX  account # XXXX XXXX XXXX XXXX XXXX account # XXXX -XXXX  XXXX XXXXXXXX account # XXXX -XXXX XXXX XXXXXXXX account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXX XXXX. XXXX 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 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01
Company: EQUIFAX, 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: Problem with personal statement of dispute

Complaint:
I was on a payment plan for a medical bill with XXXX. I was making my payments on time for over 8 months. My debit card attached to my payments was compromised. Someone stole my info and was charging online. My bank cancelled my debit card. The same day my card was cancelled my XXXX payment went through and declined due to the card being cancelled. I realized this 5 days later when I was still looking at what was attached to that debit card number. I then made the payment. I was notified by XXXX a week later I was sent to a collection agency. I called the collection agency they stated if the balance was not paid in 21 days it would be reported to my credit report. I went to the XXXX office and explained the problem they stated if I could prove my card was stolen they would take the account back. I got all the info and submitted it to XXXX. They then told me they could not take my account back from the collection agency. I was NEVER late on a payment, so therefore how can I be turned over to a agency and 21 days later it was reported on my credit report. On the credit report it said I was delinquent since XX/XX/21. This all happened in XX/XX/XXXX. I thought you have to be 180 days late even to be reported to a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: DISCOVER BANK
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I received a notification from Discover that I had possible eligibility in a Discover XXXX XXXX 2 % rebate program. I called in to ask and was told I was eligible for the smaller of two loans ( or about a {$40.00} rebate ). Unrelated to this inquiry, I was told that the reason I was not eligible for the larger loan is because I chose a fixed rate and not a variable rate. This sure feels a lot like steering. 

At any rate, I was told I was win fact eligible but I then needed to provide proof of XXXX. I did that after much searching through old photos as I was overseas. I was then told today via secure message that now I'm ineligible. But no reason was given. I called in and asked why. Then I was told that I XXXX too long ago. Then I was told that my claim was too long from the date of XXXX Then after being put on hold a long time, I was told that now my loan was disbursed too soon to when I actually XXXX  Frankly, I should be paid 2 % back on both loans since I took out loans, paid them back, and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery reported an alleged debt on my credit reports that does not belong to me. I've requested debt validation several times to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-02
Company: GREAT LAKES
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Great Lakes Educational Loan Services turned my loan over to the U.S. Department of Education due to default. I am now attending XXXX XXXX University. After contacting Great Lakes to inform them that I did not receive any correspondence from them to advise me of the status of the loan, they indicated an email was sent on XX/XX/XXXX. After searching my inbox and spam, I received nothing from them. They said they sent a letter back in XXXX. Their lack of communication regarding a loan going into default is absurd. If they would have done so, I would have requested a deferment ( as I did with another student loan thru XXXX ). My request is that this loan be deferred.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I never contacted Bank of America for any types of credit or anything they place on My credit report with me knowing I requested this be removed an deleted off my credit report

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 2022-05-30
Company: Experian Information Solutions Inc.
State: NJ
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 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

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 2022-05-30
Company: EQUIFAX, INC.
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:
believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and Equifax Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : US DEPT ED XXXX Balance {$310.00} EQUIFAX : DEPTEDXXXX XXXX Balance {$0.00} US DEPT ED XXXX Balance {$310.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2020 I called Fifth Third bank regarding 2 charges total {$250.00} that did not get completed via the State of Michigan website. I tried called State of Mich 10 plus times to reverse charges because transaction was not completed ( see attached email from State of Mich ). So I called Fifth Third Bank to make them aware. I was told I would receive a letter soon ( see attached letter ). Letter was received on XX/XX/2020. It states that I have 3 days from date of letter ( XX/XX/XXXX ) to review, sign and return. I called the bank regarding this. They stated that their policy is 3 days. I told them that even receiving mail in 3 days is impossible. I was told that I have the option to fax or email the Declaration of Fraudulent Activity back to them. I pointed out to the rep/supervisor that there was NO EMAIL address on the letter. She put me on hold to read the letter. She returned and said " oh I guess you are correct ''. She was not even aware this. Please read attached letter. This policy is completely unfair, unethical and just wrong. They also cancelled my credit card via this letter. I should have been told this procedure when I called on XX/XX/XXXX, not 3 weeks later by letter. I was also told that a new card was on its way. As of XX/XX/2020 I still have no new card. Terrible policy and customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX & XXXX # XXXX, Account name : XXXX XXXX XXXX # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-06-08
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I noticed fraud on PayPal regarding the XXXX XXXX XXXX XX/XX/2021 for {$66.00}. I've never heard of them nor have I conducted any business with them. I immediately filed a complaint with PayPal. While waiting for the results of my PayPal claim I began researching the XXXX XXXX XXXX and came across hundreds of complaints from PayPal users. There seems to be a direct correlation. 

The XXXX XXXX XXXX is in XXXX. 

After a period of time, PayPal of course came back and denied my claim stating it was authorized. What's more frustrating is they sent the following email : An update about your case We've completed our review of your unauthorized activity case, and weve determined there was no unauthorized use. 

The payment in question was sent as part of a billing agreement you previously set up with the merchant. 

We've now canceled this agreement for you to prevent any other unwanted transactions. Moving forward please be sure to review all your active billing agreements. If you need a refund for a payment sent using an active billing agreement, please contact the merchant directly. 

For more information about these cases, log in to your PayPal account and go to the Resolution Center.

You may request a copy of the documents we used in determining the final outcome of the investigation. If you would like to request copies of the documents or have further questions, please email XXXX. 


I sent a complaint to the appeal email, and demanded a copy of the documents PayPal used in their decision. Today ( XX/XX/2021 ) I received the following email : We received the case ( s ) you filed on XX/XX/2021. 

We have reviewed this transaction  ( s ) and are denying your case ( s ). This decision was made because this transaction was not unauthorized. 

If you'd like a copy of the documentation we used in the investigation of your case, send a letter including the Case ID to the following address : PayPal , Inc . 

Attn : Unauthorized Account XXXX XXXX XXXX. XXXX XXXX XXXX, NE XXXX In other words, PayPal chooses to give their customers the runaround. I will send the letter, no worries there. I have already emailed PayPal and advised them they might want to be aware, customers are angry. It seems customers should unite and start a class action lawsuit. Just look at the forums. People are outraged. 

I filed a complaint with my bank and bypassed PayPal all together. My bank said they have this XXXX XXXX listed as fraudulent and they've had major complaints about them from other people. For whatever reason PayPal is lazy, and they apparently approve of fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX Balance : {$2000.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$2100.00}, XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-02
Company: U.S. BANCORP
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
This account was established for my government unemployment deposits. I had security set to advise me, via text message, of all transactions. 

On XX/XX/XXXX I called to check my balance and heard transactions that were not mine, ( XXXX ) XXXX XXXX dollar bank transfers on XX/XX/XXXX. I thought it had to be an error, I called Reliacard and was transferred to fraud dept. I informed them that I did not authorize any ACH transfers nor have I ever done any ach transfers on my account. 

I have written and called Reliacard on several ocassions to no avail for over a year waiting for requested proof of documents for the change of data. I filed a police report and provided them the information, to no avail. They've responded no error found and send me transaction information instead of history and proof that I made the call or change of record! 

During a conversation with the fraud dept, their notes indicated the phone number change was by a male. I told them it was impossible, how could they make a change and not follow up and confirm with written notification. How could they accept change information from a male! I never received notification that such a request was made. 

They only replaced the bank card and account number. Never provided any proof I made the change and ach transfers.

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 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I've contacted XXXX & they told me I've never missed a payment, yet Transunion refuses to remove me from being listed as late on XX/XX/21 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Transunion 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief