BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX  LATE PAYMENT XX/XX/23 It was claimed that I paid my account 30 days late, but with the statements I am about to show you proves other wise, please help me get them to rectify it.

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 2022-12-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
In my request for a credit report in all three credit bureaus ( XXXX - XXXX - XXXX ) I found an entry showing a credit card account as deliquent in the amount of {$360.00} from a credit card issued by XXXX XXXX XXXX Bank. 
The credit card debt was sent to collections agency called portfolio recovery associates and I have contacted them and disputed the debt. I was told that I should file a dispute via the internet to the XXXX And here I am to file a dispute to you. 
The account number is XXXX XXXX XXXX XXXX I have no relation whatsoever neither with this account number nor with the bank issued this card. Additionally, I have no relation at all with the debt amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2018-10-27
Company: Protas, Spivok & Collins. LLC
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello, There were two cases against me and I was not served properly. I was not even served at all. XXXX and XXXX are the cases. They were given default judgements against me. I didn't know about this until XX/XX/2018 when they attempted wage garnishment. I went to court for that and it was dismissed. According to a case against the owners of the trust suing me, they are not allowed for further action even though there were judgements. It is XXXX XXXX XXXX XXXX and XXXX. There was a class action lawsuit against them and they have to comply with the consent order. 

Case reference : XXXX XXXX   XXXX I was told to contact the cfpb and start the process of getting these judgements looked at.

Company response to consumer: Untimely response
Consumer complaint received 2023-05-10
Company: HYUNDAI CAPITAL AMERICA
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Unexpected or other fees

Complaint:
Hello, my car was having issues the I purchased from XXXX in XXXX, AR in XXXX of last year, in XXXX of this year I had it towed to the actual Kia shop because I was told from XXXX XXXX XXXX, which is who XXXX uses for a shop, that my car needed a new motor. I had the car towed with my car insurance company, XXXX, since its free towing on XXXX XXXX. The car was towed to Kia dealership on XX/XX/XXXX. I didnt get a rental until XXXX because XXXX claimed they would give me a loaner vehicle & I never received one. I tried to request a loaner vehicle from Kia in XXXX, AR however I was told that they no longer have loaners because during Covid they discontinued the program but, Per XXXX the Service Dept manager, I would get full refund once I submitted what I have from enterprise to Kia. Well, its now XXXX & Kia has definitely given me the run around. First, they needed proof that my last 4 digits on XXXX invoice matched the card. I sent that in. Then they needed proof that my bank account processed the XXXX and something payment from XXXX I sent that in. Next they needed proof of the itemized bill from XXXX updated with the refund deposit submitted back to me from XXXX and something to XXXX and something, I sent that in. Next I requested that Kia escalate my issue because theyre were beginning to request plenty and nobody was telling me anything if I would get it refunded or not. I get a case manager XXXX, and now hes requested the Title or proof of purchase guess what, I sent that in even though I dont know what that would possibly prove for an XXXX  refund. Now XXXX requested the towing bill! Its too much! My car was towed to Kia on XX/XX/XXXX & because they were too busy to get to my car and behind Kia just told the tow driver to drop my car off. They did not begin working on my car until late XXXX so Kia is trying to say I dont get the full refund of my rental I receive some of it because they wont pay for the days that Kia didnt work on the car even though I had the rental when its not my fault they were behind nor is it my fault they didnt do paperwork for my vehicle when it came in on the 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 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am a victim of identity theft please remove this fraud inquiry from 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 2022-07-05
Company: Early Warning Services, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed by a woman who was renting me an apartment. She asked for {$1700.00} ( XX/XX/2022 ) over Zelle for the security deposit which I paid under the circumstances that this was a legitimate apartment. She refused to show me/tour the apartment and told me I could submit a document to get my funds back. She asked for more money and I said no if I cant see the apartment.I did submit this document and have emails from her starting under the circumstances I would get the money back. I have not received the money. I contacted Zelle because my bank couldn't dispute it. They refused to make an exception as I have a paper trail of this woman telling me I would get my money back, and because I was under the impression she was a reliable person until she scammed me. I have texted and emailed everyday and she has not responded. They told me that there was nothing that they could do despite the circumstances, and I was at fault for authorizing the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Creedence resource management is calling non stop from multiple phone numbers. They've called from the following numbers : XXXX XXXX XXXX XXXX I have previously reached out to the creditor to fix this issue and had been making payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2022-01-15
Company: EQUIFAX, INC.
State: IA
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: Was not notified of investigation status or results

Complaint:
To whom it may concern ; I am writing in regard to the above referenced accounts and transactions. 

This is not a refusal to pay, but a notice that this account is disputed. 

Under the laws of the ( State of Iowa ) UCC 9.506 and State RISA and MVISA statutes a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 

Please provide copies of the legal notices and proof of the commercially reasonable manner of the resale of the subject vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Mendelson Law Firm
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. I was making payments towards my bill but I couldnt afford the payment plan that the hospital had arranged. They then sent the debt to Mendelson Law Firm. I asked the law firm to send me a break down of my charges and a signed XXXX Form stating that I agreed to share my information with them. No signed form has been received. Also they gained access to my personal medial files without my authorization, permission, or knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 2. States a consumer reporting agency can not furnish an 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 2023-03-22
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX 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
Consumer complaint received 2022-04-21
Company: National Credit Adjusters, LLC
State: TN
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  account # XXXX has violated my rights 15 U.S.C 1681 section 602 A States I have the right to privacy 15 U.SC. 1681 section 604 A States : it also states a consumer report agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-01
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
XX/XX/2020 NELNET XXXX. XXXX  XXXX Re : ( Student Loan Debt ) Account Number : XXXX To Whom It May Concern : I would like to make arrangements to settle the above referenced matter. 

Please provide me with your statement of the amount owing as of XX/XX/2020, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. 

Thank you very much. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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: Account status incorrect

Complaint:
XX/XX/2022 I paid the collection account XXXX XXXX XXXX. The account was supposed to be deleted after payment. It was updated to paid and is still reporting on all three credit bureaus. Not only is it reporting it is full of inaccuracies and credit reporting violations. On XXXX and XXXX a payment history is being reported. Which from my understanding a collection account can not report a payment history. Also on Transunion its showing as an open account, a collection account can not be reported as open. Can this account please be removed from my credit report due to the violations and because the company said they requested deletion.

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 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 a vey common name and did not know that other peoples information would be reported on my credit profile. I just stared checking my credit and notice so many accounts that should not be showing on my credit account

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 2023-05-10
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Customer Service, I am writing to submit a complaint and appeal the permanent limitation that was placed on my PayPal account, registered under the email address XXXX. I believe that this limitation was placed on my account by mistake, and I would like to request that PayPal re-investigate my case and restore my account, if possible. 

Firstly, I would like to clarify that I have not violated any PayPal policies. I have always used my account in accordance with PayPal 's terms and conditions, and I have not engaged in any activity that could be considered fraudulent or in violation of PayPal 's policies. Therefore, I believe that the permanent limitation placed on my account was unjustified and undeserved. 

Secondly, I would like to emphasize that I depend on my PayPal account for my business and personal transactions. The permanent limitation has caused me significant financial losses and inconvenience. I am deeply concerned about the impact this decision will have on my ability to conduct business and pay for essential services. 

Given the importance of my PayPal account to my daily activities, I kindly request that PayPal re-investigate my case and take into account any relevant evidence that I can provide to support my claim. I am willing to provide any documentation or information that may assist in resolving this issue. 

In conclusion, I urge PayPal to carefully consider my appeal and take the necessary steps to restore my account. I appreciate your attention to this matter and thank you in advance for your cooperation. 

Sincerely, [ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Collection agency ( Portfolio Recovery ) purchased a debt from XXXX XXXX XXXX in XX/XX/2016. Portfolio Recovery contacted me at my work during working hours and demanded payment of {$400.00} on numerous occasion. Since my employer was now involved, I agreed to a payment schedule of {$69.00} a month in which I paid the first payment with my debit card over the phone. After making the first payment, I reviewed my financial records and could not find where I had ever had an account with XXXX XXXX, therefore I disputed the debt with Portfolio Recovery and in return they sent my a copy of an electronic bill from XXXX XXXX. I responded to Portfolio Recovery stating that this was not my debt and requested a document from XXXX XXXX bearing my signature showing that this was in fact my debt. I then received the same copy of an electronic bill that did not have my signature. I made the second month payment of {$69.00} and then I contacted Portfolio Recovery by phone in which their Customer Service Agent stated that I owed {$260.00}. I told the agent that this was not my debt but she insisted that I would still have to pay or the collection would be on my credit report for seven years. She then stated that if I would pay the remaining {$260.00} that Portfolio Recovery would agree to remove from my credit report if paid in full. I then made a debit card payment in the amount of {$260.00}. After a few months went by, I check my credit report from the three major credit bureaus and found that two of them still listed the collection on my report. I have filed numerous disputes with both the credit bureaus and Portfolio Recovery and each time I receive the same notification that they have verified this debt to be mine and each time I receive the same copy of an electronic bill from Portfolio Recovery. This issue has been going on for almost a year now and I can not get any resolution from either the credit bureaus or Portfolio Recovery.

Company response to consumer: Closed with explanation