BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2020 I received a letter from Portfolio Recovery Associates, XXXX. This is the only communication I've gotten from them claiming I owe a debt of over 3,000 dollars. I'm not even aware of what the debt is for or who the company it comes from. It was even addressed to my maiden name and I have been married with a different last name for almost 8 years. They threatened to sue me, garnish my wages, and through doing this I may lose my job fromthem dealing with my employer. I haven't contacted them because I'm scared to death by this threatening letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Experian Information Solutions Inc.
State: WI
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:
Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/XXXX but Experian XXXX  and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from XXXX  data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
XXXX XXXX XXXX  Original Creditor : XXXX Hospital Open Date : XX/XX/XXXX Status : OPEN Balance : {$270.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Status : OPEN Balance : {$3100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Status : OPEN Balance : {$870.00}

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 2023-07-25
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:
XXXX XXXX XXXX for {$2400.00} is a closed account showing up on my credit report file. This is fraudulent and opened using my identity without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, 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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681. I have reached out numerous of times after Equifax said that a proper reinvestigation after my initial letters and complaint for XX/XX/XXXX was done. However I still have multiple duplicate inaccurate accounts listed on my credit report which are affecting my livelihood and ability to obtain proper credit. 

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand these accounts listed below be removed because : According to 15 USC 1681 : I have a right to privacy and I did not give Equifax written permission to furnish these accounts. 

Accounts : 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  ( This account is listed twice ) ( Improper Reinvestigation ) XXXX XXXX XXXX ( This account is listed twice ) ( Improper Reinvestigation ) XXXX XXXX XXXX ( This account is listed twice ) ( Improper Reinvestigation ) XXXX XXXX XXXX ( This account is listed twice ) ( Improper Reinvestigation ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Their investigation did not fix an error on your report

Complaint:
On or about XXXX in XXXX I called Capital One to work out a solution they were offering to the effect of COVID and I opted into their program with 2 of my Capital One accounts. After doing so, I was under the impression that everything was set because I had repeatedly asked and confirmed verbally. a few months later Ive come to a realization that both accounts have suffered a late payment reporting a total of derogatory payment on each account. Ive disputed and called them in XXXX of XXXX when I noticed that this has been going on and immediately made a payment that brought the account to date. The dispute However did not reverse any of the derogatory late payment marks on my accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-04
Company: EQUIFAX, INC.
State: WI
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:
Im reaching out because I tried formally disputing inaccurate and incorrect information that was reporting on my personal credit file. I have reached out several time with the last time being XX/XX/XXXX but XXXX  Equifax and XXXX  are still deciding to report illegal information on my credit file that could be as a result from my identity being compromised from Equifax data breach- that Im apart of or a mixed credit file of another consumer. This is an automatic FCRA violation of not properly handing my dispute properly because I provided them with documentation on my identity, which shows my address and full social security number. 
I never received any mail in response to this either. It like I am being ignored! From a XXXX search I know I have rights and reporting this information is a direct violation of my rights. The following needs to be deleted. 
XXXX XXXX XXXX Original Creditor : XXXX Hospital Open Date : XX/XX/XXXX Status : OPEN Balance : {$270.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Status : OPEN Balance : {$3100.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX  Open Date : XX/XX/XXXX Status : OPEN Balance : {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am filing a complaint regarding a lack of proof of service, lack of due process, lack of publication with regards to a foreclosure which took place on XX/XX/XXXX without my knowledge. This company, Select Portfolio Servicing , Inc. appears to have executed a foreclosure in violation of XXXX  Civil Code 2924b. Although I currently reside in XXXX, I am a co-owner of a property located in XXXX. I did not receive any notice nor did I see any publication about the sale ; and thus I did not have any opportunity to defend my interest in my property. I can not even find a newspaper publication which announces about the sale nor did I see any proof of publication. I was told that my former partner, who is the co-owner of the property, is in Bankruptcy, and tendered payment in full to Select Portfolio Servicing , Inc. Further, according to an auction company of public record, XXXX, they confirmed that the auction of the property did NOT take place on XX/XX/XXXX. Despite these, when I check a public record, Select Portfolio Servicing , Inc. DID record a Trustee 's Deed Upon Sale on XX/XX/XXXX, indicating that an auction took place on XX/XX/XXXX and it was sold to the foreclosing beneficiary, being the highest bidder at such sale, became the purchaser of said property and paid therefore to said trustee the amount being {$700000.00} in lawful money of the United States , at the auction sale which did NOT take place on that day according to the auctioneer of record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: 2288984 Ontario Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Pawn loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
On XX/XX/2023, I applied for a online loan with a company called Money Key, they called me and said that I was approved for {$5000.00} and then they asked me how much do I want to borrowed, then I said {$3000.00} and then they told me that they have to put insurance on they money in which they said it would be {$900.00} that they will send me and that I would have to send the money back to them. So they told me to go to XXXX and get a pre paid card and load the money on the card, .so I did and I had trouble getting the money out of my checking account, so they told me to go to a ATM machine to draw the money out of my account, out of the {$900.00} that they said they sent to me, I only could get {$300.00} out of my account And my checking account is overdrawn {$560.00}. Now Im behind for my XXXX and my XXXX on bills, Im not going to have money too pay for my Rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company added a collection to my Credit bureaus saying I owe a debt from 2020 from XXXX. This information is false. Ive always paid my bills and do not owe any money to them or XXXX. I am disputing this debt with them and they have failed to send me the information Ive asked for which is to show me the Date I opened an account with XXXX and when the account was closed with the amount I owe to XXXX. Including my signature with the date. They have failed to give me any information only that I owe a debt I need to pay from 2020 which is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Our Mother, that passed away, had a loan, line of credit, with XXXX  XXXX XXXX that was sold to SLS Servicing Loans. 

Our mother loss her XXXX  ( source of income ) was in and out of the hospital before passing away in XXXX 2019. 

All of this happened in the span of 7 months. Back to back it was something and she failed to pay on that loan. 

When she. passed we took a month to process. We collected her bills and reached out to SLS to have the validate the debt. 

During this time they continued to send 3-4 letters with interested added while we had to submit paper word of being an executor of the estate. 

Then ocne we ere able to access her files they continue to send more letters and added more interest and still no proof of debt owed. 

When it was validated we then applied for Mortgage Loan Assistance to get our options and reduce the interest. 

They then sent an attempt to foreclose from a lawyer. 

During this time we had continued to find out by calling weekly about further documents need even when online it would state something else. Also every time we called it would be something different needed. They only way we would get status updates if we called or checked or mail which would also take long to receive. 


Now we logged into our account an our application is gone and more interest has been added. 

We are proactive in trying to settle this with no proper communication on what do moving forward. 

Not one person has been consistent in assisting us. If it was not for COVID19 we believe they would try to foreclose on us. 

We just want all fees and interest since her passing reduced.

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 2023-11-09
Company: CHARLES SCHWAB CORPORATION, THE
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX  CHARGED ME {$53.00} ON XX/XX/2023. I DID NOT ORDER THIS. i CALLED THE CREDIT/DEBIT CARD COMPANY AND THEY TOOK IT OFF ON XXXX XXXX. ON XXXX XXXX THEY PUT IT BACK ON. AFTER 3 MORE CALLS TO THE CC COMPANY THIS IS WHAT THEY TELL ME. IT WAS MY EMAIL, MY IP ADRESS AND IT WAS A RENEWAL. GREAT LET THEM SHOW THE ORIGINAL CHARGE ON THE ACCOUNT, BECAUSE THERE IS NONE. THEY HUNG UP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On or around XX/XX/2022 I used my American Express Card to purchase a XXXX refrigerator for {$1200.00}. When the refrigerator was delivered, it did not quite fit my kitchen space and the deliverymen immediately put it back on the truck for return. XXXX has no form signed by me for the delivery. I was never credited by XXXX for the return. I made about 8-10 calls to XXXX attempting to rectify the problem. Twice I spoke with the XXXX XXXX XXXX and ascertained that they definitely had a record of the refrigerator having been returned. I made repeated attempts to implore the Appliance Division and the Billing Department to communicate with each other, all to no avail. After American Express intervened, I was told by American Express " XXXX states that you still have the refrigerator and that they have no record of your having ever contacted them about this dispute. '' When I provided American Express with the direct phone number for the Appliance Division, to verify the return, I was told " We don't make calls like that ''! American Express has refused to listen to me and to properly process this dispute. 
Less than 10 days after the return of the refrigerator I used the same American Express card to purchase a refrigerator from XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-14
Company: WESTERN UNION COMPANY, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
A refund in the amount of {$14000.00} CAD was approved to be issued by the university on XX/XX/2022. 

The wire transfer fee in the amount of {$40.00} CAD was charged by the university to be posted back to the bank account. The university uses Western Union for fee receipt and payment especially for international students. 

The intermediary ( Western Union XXXX XXXX and XXXX ) deposited {$11000.00} USD in my bank account on XX/XX/2022. 

The company didn't provide any receipt of the transaction despite of a few requests via e-mail. When called, no one is available to answer questions. 

Almost {$300.00} to {$400.00} ( After Foreign Exchange Calculation ) got disappeared during the money transfer and not receipt or transaction information were provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I believe that this account was associated with a different person with the same name and address as mine and merged the file. Under FCRA, you are required to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 
YNCBXXXX XXXX  XXXX XXXX It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law

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 2023-06-28
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, an order was placed through XXXX. The order never arrived. So I promptly contacted the good people at XXXX and they refunded my XXXX to my card ending in XXXX. 

In the past with any other company the money comes quickly. It is now XX/XX/2023 and not only did I not receive a refund PayPal deleted the transaction from my account all together. 

I have friends that told me that PayPal Steals and I am even a member of the XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX This transaction where I was able to catch them tells me that I am not the SPECIAL ONE and they are probably doing this to thousands of people and the government here in the United States needs to do something about this problem. 

cc : XXXX XXXX XXXX President Joe Biden

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21
Company: BARCLAYS BANK DELAWARE
State: MI
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 wrote XXXX XXXX regarding an error on my bureau. ( Account Barclays Bank Delaware # XXXX ) regarding errors, I noticed with the payment rating, balance. 

XXXX was to update my report after investigating : XXXX duty is to provide Notice of dispute : VIOLATION 15 USC 1681 S 2 ( A ) ( 3 ) : requires credit reporting agencies to investigate and correct inaccurate or incomplete information The error in question relates to the PAYMENT RATINGS on my bureau XXXX XXXX ***PLEASE REVIEW MY PAYMENT RATING AND HOW IT IS REPORTED Ive been disputing this for YEARS and Trans union has FAILED to provide me with CORRECT Payment Rating Data XXXXVIOLATION OF 15 USC 1681 S 2 ( A ) ( 3 ) XXXX XXXX REPORTS : LAST PAYMENT WAS MADE ON XX/XX/XXXX : If last payment was made on XX/XX/XXXX how can there be any late payments reported prior to XX/XX/XXXX? Please see highlighted ***MY CREDIT BUREAU SHOULD BE MARKED AS DISPUTE REINVESTIGATION INFO SHOULD STATE DISPUTED PLEASE SEE DATE UPDATED ON MY BUREAU : LAST UPDATE AS XX/XX/XXXX Please see the Highlighted Response from XXXX XXXX XXXX XXXX Failed to conduct a reasonable investigation Under 15 usc 1681i : Failed as a data furnisher XXXX XXXX to conduct a reasonable investigation. 

Barclays violated 15 USC 1681s-2b Consumer Portfolio was not listed or updated on my bureau with the dispute FCRA states XXXX XXXX is required to investigate disputes and correct any errors within in 30 days, however after years of disputing this information, XXXX XXXX has FAILED to meet this obligation and has CONTINUED to report the inaccurate information instead of correcting it. 


As a result of XXXX XXXX FAILURE to comply with 15 U.S.C 1681s-2 ( a ), I have suffered harm to my credit score, insurance policies, and refused employment.

I plead you thoroughly see the the violation and ensure this incorrect info is removed immediately from my report, and take the proper steps that will prevent XXXX XXXX from violating others such as myself under FCRA.

I reserve the right to to take legal action to enforce my legal rights under the FCRA.

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 2022-04-14
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive reached out to the collection company with no success. Ive tried disputing several times with no success. Ive also asked the collection company to provide contact information of the alleged creditor so I may discuss with the source. They state they do not have that XXXXnformation or refuse to provide it. How am I being charge or held accountable for an alleged service that I can not verify. This is misuse of treatment and unfair. I demand I get a valid opportunity to dispute this

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 2020-04-04
Company: Experian Information Solutions 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:
I have fraudulent accounts thats not mines, Ive sent the FTR report but they have not removed the items

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 2023-02-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my further Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which 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 relating to any transaction by the consumer. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXXBalance : {$74000.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$5200.00} XXXX XXXX XXXX XXXXXXXX XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX ) XXXXBalance : {$71000.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation