BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. The debt collector stated below that they have not received nothing from me and then on another end the debt collector stated they sent me validation documents from a request I made. Which is it? 

2. According to the data furnisher laws yes if a debt is due then the company has a right to collect on the debt however the company does not have the right to report after the statue of limitations. 

3. On one part the debt collector stated the debt was {$300.00} around 5 years ago however they wanted over {$500.00} to settle the beyond statue of limitation debt. 

4. Remember the words " subsequently, investigated ''. 








Portfolio Recovery Associates, LLC ( PRA ) investigated your complaint and verified the PRA account ending in XXXX and the accuracy of the information we furnished to the consumer reporting agencies regarding the account. PRA purchased the XXXX XXXX Bank XXXX XXXX XXXX, XXXX. XXXX " XXXX XXXX '' XXXX XXXX credit card account ending in XXXX from XXXX XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX, XXXX Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for XXXX XXXX XXXX XXXX social security number ends in XXXX and that a balance of {$300.00} was due on the account at the time of PRA 's purchase. We sent our initial notification letter to you on or about XX/XX/XXXX. We take compliance with all applicable state and federal laws very seriously. The expiration of a state statute of limitations on legal actions limits our ability to pursue legal remedies, but not our ability to collect on the account. We found we previously ceased all calls and other collection communications regarding the PRA account ending in XXXX. We have no record of a request or dispute being received in relation to our initial notification letter. PRA furnished information regarding the account to the consumer reporting agencies in accordance with industry guidelines and specific requirements. Our records reflect that we subsequently received, investigated, and responded to a dispute regarding the account which is similar to the dispute you made in this complaint. In response to that dispute, we verified the accuracy of the information we furnished to the consumer reporting agencies regarding the account and sent you a letter on or about XX/XX/XXXX, containing validating documentation from the original account. We believe that the validation provided resolves the dispute and no further steps in response to your complaint or follow-up actions are required at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: In progress
Consumer complaint received 2023-04-17
Company: Ideal Collection Services, 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 information incorrect

Complaint:
There are multiple accounts on my credit report that are either inaccurate or just all and all not my account. I have filed and submitted police reports stating that these account were either fraudulently opened by someone else in my name or the dates and amounts are inaccurate. Here below are the account holders along with dates and amounts that are inaccurate which I have tried to resolve with said supporting facts and reports. ' {$2000.00}, {$1100.00}, {$610.00}, {$410.00}, {$1700.00}, {$340.00}, {$390.00}, {$240.00}, {$410.00}, {$610.00}, {$770.00}, {$300.00}, {$8700.00}, {$780.00} XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 

ALL of the accounts that have been constantly negatively effecting my credit are inaccurate. I have disputing with the original creditors as well as collection agency. I have also disputed with XXXX, XXXX, and XXXX. I have provided supporting documents such as police reports and proof that these are not mine, yet they are still negatively reporting. These need to be taken care of as this is putting me in a financial hardship.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Chime Financial Inc
State: IL
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:
In XXXX I made a purchase on XXXX. After hearing nothing regarding that order, in XXXX I contacted them asking for a refund and to cancel that order. They offered a gift card instead. I wanted to give them a second chance so I took the gift card. After months of zero communication regarding the order I contacted them again. Several times. When they finally responded a month later they stated they would offer me a refund via gift card. This was not satisfactory for me. I stated after months of zero communication and zero orders fulfilled I would not be shipping again and wanted a refund via my original payment method. The company stopped responding. I now filed a dispute with my bank, Chime. Chime denied my dispute and after asking for a reason why, they never responded. I filed a complaint with the XXXX. XXXX  emailed me saying after weeks of trying to contact XXXX they could not get a response. I just want my money back for an order I never received. I will never be shipping with this company again. They stole my money and I never got any goods or service from them. Chime denied me without giving me a reason. I have tried and tried to get in contact with someone and can not. I am beyond frustrated. For clarification purposes my order number was XXXX XXXX for {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
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: Account information incorrect

Complaint:
Having a problem with a financial product or service? 
We have answers to frequently asked questions and can help you connect with companies if you have a complaint. Sadly you don't have the answers because in my opinion by numereous experiences and by design of the system it is corrupt from top to bottom. Yes and you the alleged protector propagate that XXXX XXXXXXXX I choose to define my opinion and evil will never change but stand in it's arrogance and pride. Wecand all who are held XXXXXXXX XXXX so called credit organizations and their cohorts understand who and what you are by your own thoughts, words and deeds. So filing a complaint useless but merely to serve truth. Yes we are as responsible because we use your services, need finance and share in the creation of who you are abdcstabd as guilty via our indifference.

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 2023-07-26
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:
Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense stress and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.

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 2021-06-25
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:
This complaint is in response to complaint # XXXX # XXXX # XXXX. Your claim that there is a completed investigation on the accounts I ( the consumer ) submitted for removal, was not properly verified. XXXX, XXXX, nor transunion interviewed any ( none ) of my family or neighbors. Per section 606, it contains specific requirements for use of an investigative consumer report. This type of consumer report contains information about a consumers character, general reputation, personal characteristics, or mode of living obtained in whole or in part through personal interviews with neighbors, friends, or associates of the consumer. Funny when you know the law XXXX likes to send out stall responses instead of complying with Federal Law and addressing facts, however I will not be deterred as I am resubmitting my original demand and XXXX needs to address the facts I have presented. The Fair Credit Reporting Act is intended to secure my right to privacy and my privacy has been breached. Pursuant to 15 USC 1681 ( a ) ( 4 ) -There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Notice Congress said the consumer has a right to privacy. XXXX has infringed on my right to privacy. First of all no one gave them this role, they assumed it pursuant to 15 USC 1681 ( a ) ( 3 ). Second of all pursuant to 15 USC 1681b ( a ) ( 2 ) I never gave them written permission to furnish anything on my consumer report. No consent is IDENTITY THEFT. I demand that the following accounts be removed immediately from my consumer report. XXXX, DEPTEDXXXX, XXXX XXXX US DEPT ED. I am also demanding to be compensated via check { {$1000.00} } per violation totaling { {$15000.00} } pursuant to 15 USC 1681n. I also Filled a police 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 2023-04-07
Company: I.C. System, Inc.
State: SD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called XXXX XXXX and told about my situation. Originally I thought it was identity fraud, but really it turned out to be XXXX 's fault in where they failed to transfer something on their part which caused a ghost amount of money to be accrued. They told me that there were 2 sub levels on my account. When I merged the 2nd sub level to the 1st sub level, it caused a device forced buy out which was where the debt came from. But when I talked to a XXXX representative and they checked the merge they saw that the agreement of the phone, XXXX XXXX XXXX XXXX, was not transferred over. I tried to work with the representatives as they continued escalating the case, but in the end they could not deal with it. They told me they keep voice logs of every customer service call, so if you investigate my phone number and their logs you could probably see and listen to the conversations I had. There should be enough evidence if you check from XXXX 's side that the debt I owed is falsified. I also have the escalation number which is XXXX and the call reference number is 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 2023-04-10
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:
Date of Inquiry ; XX/XX/2021 Company : XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, RI XXXX Request Originator is fraudulent activity and I have already contacted all 3 credit bureaus and reported this fraudulent activity that was not authorized by me or attached to any open account. I am contacting you guys to have this fraudulent inquiry removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXXXXXX XXXX  has information on my credit report inaccurate and is negatively impacting my credit report. 

The information is reporting late payments which is incorrect as well as unknown payments as I look at the payment history on the credit report provided by Experian.

Company response to consumer: In progress
Consumer complaint received 2023-08-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is to inform you the accounts listed on my credit report are from unauthorized use of my social security number and card. I assert I did not authorize the aforementioned accounts to be opened in my name or likeness and have not benefited from such fraudulent accounts. 

If you assume or allege, I have received services, goods, or monies, please have a senior executive certify under the penalty of perjury, I have obtained possession. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent

Company response to consumer: In progress
Consumer complaint received 2023-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This complaint serves as a formal demand for an immediate and thorough investigation into specific items tarnishing my credit report. These inaccuracies are not only false but are inflicting severe financial and emotional distress due to their derogatory nature. The items listed below demand your urgent attention for deletion 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

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 2023-08-08
Company: JPMORGAN CHASE & CO.
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 XX/XX/2023 I deposited a check for XXXX and the check came from the treasury which was issued by thrift savings plan slssh XXXX it was from my dad he passed away last year and my XXXX brothers got the same check. When I deposited it into the chase atm it said had a ten day hold so on XX/XX/XXXX i called chase Bank because I had received a letter in the mail telling me chase wax suspending mu account due to fraudulent and suspicious activity chase Bank informed that they believe my check had been chemically washed and that I had typed my name in and so they wanted proof that the check was really mine and so I called tsp and the treasury department and they both told me that Chase could verify it in their system.so Monday XX/XX/2023 I called chase back and they told me that they had to talk to the treasury dept themselves and we'll I called the treasury department and they informed me that the check had already been cashed but chase admitted to cashing check still would not give the funds to me. So on XX/XX/XXXX I went back up to chase Bank and they finally copied the check stub from the check from the treasury department and I was told it was verified in their system but they still was saying they believed the checked to be fake even though they cashed it and told me they could hold money up to two years unless the treasury department issued a recall on the check which make chase send the funds to treasury dept and the last person I talk yo I said my XXXX brother didn't have any problem cashing their check with their bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: ZuntaFi Corp
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Private student loan sold to zuntafi. My interest was with original lender was XXXX  %, now after acquisition it XXXX %.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
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: Personal information incorrect

Complaint:
wrong addresses wrong names- Please correct my address to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. This is my only address. I have no knowledge of any other addresses- Please correct my name to XXXX XXXX XXXX. This is my only name and spelling. No other name exist. I have no knowledge of any other names

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Credit Karma, LLC
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried unsuccessfully to submit disputes on the Credit Karma website. I have emails to them and from them acknowledging the issue and they promised me that I would receive the guarantee within 60 days of XX/XX/2023 but this has not happened. Subsequent emails to them about the status of the same, I have been unsuccessful. They replied, saying they did not receive my message, but I have an email from them saying they received my message. They close the case without delivering the product that was guaranteed to be delivered. Now I cant submit a dispute because their website has too many technical glitches that prevent submission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting 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.

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 response to consumer: In progress
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting 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 filed 5 disputes over the past 4 years with Experian regarding this XXXX XXXX XXXX Account labeled XXXX. This account belongs to my father and step mother and I never applied for this account. Me and my father have the same name, He is XXXX I am XXXX. Here are the dates of the disputes filed : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I still have not been able to get this account removed from my name/credit report

Company response to consumer: In progress
Consumer complaint received 2023-04-13
Company: AES/PHEAA
State: NE
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
From XXXX to XXXX my Co-borrower and I repeatedly made inquiries regarding payment arrangement options as well as requests to have two of my private student loans that I was unable to afford the payments on declared in default. Of the 5 student loans AES services, two have already been defaulted, one is in repayment, and the remaining two are showing as delinquent. The last payment made on either remaining " delinquent '' loan is from XXXX of XXXX. Prior to that, and since that time, no payments had been made in excess of 6 months. Delinquency exceeding 6 months meets the terms of default under the original loan agreements, however neither loan has been deemed " defaulted '' by AES. As a result of this, neither has been turned over for collections or to another agency for repayment. I have repeatedly requested these two loans be marked as defaulted so that I may make settlement or other payment arrangements on them with servicers who will accept less than the full monthly or past due amounts. AES has repeatedly not done so and has provided inaccurate information regarding the status of these loans.

Company response to consumer: Closed with explanation