BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 sent a identify theft report back in XXXX and also a dispute letter about all the inquired on my report and nothing was done. This is effecting my credit and slowing my home owner process

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 2023-06-14
Company: FinCo Services Inc DBA Current
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XXXX XXXX XXXX, I used an ATM to withdraw {$300.00} USD from my account. The funds did not dispense, and instead an error code appeared on the screen. I got the attention of a clerk, and she in turn contacted her supervisor. They informed me that normally when the system updates overnight, the funds would return to the account. On XX/XX/, the funds were not returned to the account. I called the store and spoke with the manager. He in turn explained that their batch updated, and the count was off by {$300.00} USD. He informed me to file a dispute with my bank, and through the investigation process I would receive my money back. On XX/XX/XXXX, I got online to check the status, but it still showed in review. I contacted the store again to check to see if any documents or requests were received from my bank regarding this transaction, and I spoke with the XXXX XXXX. I was informed that no contact had been received from Current but confirmed the error affected my account. I relayed this information to Current XXXX, and I was told if the investigation with the dispute team was still ongoing by the XXXX business day, a provisional credit would be issued to the account while they continued to investigate. XX/XX/2023 was the date for that credit. I reached out to Current Support to confirm the credit was being placed in the account, and I was assured they would post the credit prior to the days end. At the end of the day, I reached out to support because the credit didnt post. I was then told they would escalate the issue to the dispute team for the reason why the credit wasnt applied and someone would reach out to me in 3-5 business days. On XX/XX/, I called support regarding the issue, and I was told there was no manager and the dispute team didnt have any contact information, but someone would email me the decision because the claim had not made it to the review process. XXXX hours later I received an email stating my claim was denied and if I want the documents that were used to deny the claim I have to request them. I contacted the store again, and they referred me to their AP department who in turn stated they have not received any documents from Current ; therefore, a request has never been submitted to process the claim as with others.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Direct Recovery Services, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XX/XX/2010. I got a phone message from a number represented on my phone as being from XXXX Oregon the number is XXXX. XXXX is a small coastal town very close to where my Mother lives. In the message they state that I had made arrangements on a " matter '' but those arrangements were now over and I needed to call them. In reality there were NO arrangements made for anything. It was a lie. And they spoofed a number. This was deceptive and my info has been compromised in at least three data breeches and displayed on the dark web.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: AES/PHEAA
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am writing to bring to your attention a concerning issue I have encountered in regards to the PHEAA XXXX XXXX XXXX. The purpose of this letter is to request an investigation into their fraudulent reporting practices and their addition of interest to a loan that has been canceled. 
I am a victim of this fraudulent reporting, as PHEAA has reported a loan on my consumer report that has been canceled. Furthermore, they have sent me a 1099B form acknowledging the cancellation and categorizing it as income, as per IRS guidelines. Despite this, they continue to report the loan on my consumer report, which is misleading and inaccurate. 
To provide a clear picture of the situation, I would like to outline the key points : XXXX. Loan Cancellation and 1099B : - The loan, which has been canceled, was acknowledged by PHEAA through the issuance of a 1099B form. 
- The cancellation of the loan makes it income, as stated by IRS guidelines. 
- I have attached a copy of the 1099B form for your reference. 
2. Fraudulent Reporting : - PHEAA XXXX XXXX XXXX continues to report the canceled loan on my consumer report. 
- This inaccurate reporting adversely affects my credit history and financial standing. 
- The reporting of the loan, along with the addition of interest, is misleading and deceitful. 

Enclosed with this letter, you will find a copy of the 1099B form for your review. I kindly request that you commence an investigation into the fraudulent reporting practices of PHEAA XXXX XXXX XXXX. Your intervention and resolution in this matter will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are 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 2021-07-16
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Ive been a victim of identity theft. The following account and inquiries listed below are fraudulent. Ive sent a Requested a credit bureaus, and my request for information to be blocked has been ignored. 
Accounts As Follows 1. XXXX XXXX XXXX {$500.00} 2. XXXX XXXX ( XXXX XXXX XXXX ) {$810.00} Ive never done business with the following companies or entered into a contract with the companies listed above. All of these accounts are results of Fraud. Someone used my information to get medical care. 

The following inquiries are XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, 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:
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, Account Name : XXXX  XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX # XXXX, Account Name : Dept of Ed/XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name XXXX XXXX XXXX # XXXX, Account Name : XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX XXXX Account Name XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX XXXX # XXXX, Account Name XXXX XXXX XXXX XXXX XXXX  # XXXX, Account Name : XXXX  # XXXX, Account Name XXXX XXXX XXXX Service # XXXX XXXX U.S.C. 1681 section 602 A. States I have right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
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: Credit inquiries on your report that you don't recognize

Complaint:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2023-10-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Portfolio recovery associates llc is in violation of court order ( XXXX ) by failing to provide me the contractual terms and conditions governing the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: ERC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-26
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX a notice of wage withholding executed by Weltman Weinberg & Reis Co LPA, received by XXXX XXXX related to a judgment obtained by XXXX XXXX XXXX # XXXX issued XX/XX/XXXX. The judgment and writ of garnishment were obtained and executed using my social security number ; address and place of employment along with another individuals name. On XX/XX/XXXX, I brought this to the attention of XXXX ( XXXX ), with XXXX XXXX XXXX 's Attorney 's office DBA Weltman Weinberg & Reis Co LPA and she instructed me to submit an FTC Affidavit, with my proof of ID to her legal department C/O XXXX XXXX direct fax of XXXX for XXXX to correct and remove my personal information from their files, judgment and release the garnishment. I faxed the requested information on XX/XX/XXXX and received confirmation of the completed fax. Since that date I've contacted and left messages for both XXXX and XXXX four times without a response back. 

I want the attorney firm that obtained the Judgment and filed the writ of garnishment to produce their proof of due diligence to properly verify the debtor, related social security number, place of residence and place of employment identified and used for obtaining the judgment and writ of garnishment. I want verification of the receipt of my fax proper handling and release of the writ.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: ProCollect, Inc.
State: OK
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt to the collection agency Procollect in full and was sent a letter of confirmation. I dont recall who I spoke with but they said the debt would be removed from my report after payment. It has been several months and debt is still on 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 explanation
Consumer complaint received 2022-04-29
Company: Affirm Holdings, Inc
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
They saying I have two account not paid off but those two account were fraudulent and they weren't able to prove or verify account those account are a result of identify theft and has been brought to the company attention multiple times

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-08
Company: Experian Information Solutions 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:
This is my 3rd 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 items : 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

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 2021-04-11
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have paid on time for the last 5 years and it appears that regardless of what I do my credit score never gets better, which causes me problems when trying to refinance my home and obtain better rates. I'm inclined to believe that the three credit bureaus knows nationality based on names. I think as a consumer this should be investigated. XXXX  do not and will not get the same treatment as our counterparts if we as a country don't look into matters that appear to be fair from looking from outside, but internally the bureaus have underlining agendas that we will never understand. Please take a look into these matters to make sure we are all treated equally as consumers. Credit suppression seems to also exist in this country as well.

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 2020-06-04
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:
Re : paypal.meXXXX email : XXXX XXXX On XX/XX/2020, I attempted to purchase a XXXX XXXX XXXX XXXX XXXX, for my son from a company I found on-line. I had been looking for the XXXX set for some time and it was sold out every where. I immediately placed my order without vetting the webpage. I can not recall the name of the initial company from which I placed the order and normally I would have immediately received an email confirmation. In this case, I did not. On XX/XX/2020, I received an email from XXXX XXXX, which was definitely NOT the initial company that took my order ( See attached ). The order confirmation email listed USPS tracking number XXXX which has never been a valid tracking number according to the USPS. Further investigation revealed that the phone numbers are not real, that there are multiple company names associated with the biller, XXXX XXXX XXXX XXXX XXXX XXXX, such as XXXX and XXXX XXXX. All of these companies appear to be fraudulent and the web pages all go back to non-existent companies I have never received the XXXX set that I ordered. I have lost {$110.00} and I am unable to contact anyone at any of the three companies I am aware of to help me resolve this matter. 

I used Paypal because you have a good customer service reputation when handling fraudulent billing activities. I am rather disappointed and angry that in this case PayPal appears not only dis-interested in helping me resolve my dispute but also seems to believe that I am something other than a victim in this transaction. I made an honest effort to purchase a product on-line. I used your service to pay for it. I never received anything for my purchase from any of the three companies associated with the web address and email conformation. My money was stolen. I have reported all this to you and I expect you to do the right thing by refunding my money. Instead, I am told that my case has been closed because my transaction was not covered. This is a ridiculous assertion. Of course fraud was involved. I never authorized XXXX XXXX XXXX to bill anything to my account. Do you really think an interior construction company sells XXXX sets? This would be an easy dispute with any major credit card company. If i cant count on you to dispute this charge then why am I using PayPal?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: JPMORGAN CHASE & CO.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a voice mail this morning that requested I contact the following number ( XXXX ) XXXX ( File # XXXX ) regarding a summons that I failed to respond to. However, I never received a summons. I called the number and spoke to an individual ( XXXX XXXX ) who indicated they represented a firm by the name of XXXX XXXX. They transferred me to a guy who indicated that I failed to pay $ XXXX Chase Credit Card balance. Ive never had any Chase account of any type. I told this guy that, and he responded caustically, and abruptly indicated that he would see me in court. I thoroughly believe these individuals were Phishing. I never gave or provided them any information. Also..Ive never received any correspondence from Chase indicating that this debt was owed. Your assistance is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: PA
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:
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 explanation
Consumer complaint received 2022-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
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

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