BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-28
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/23 I sent, via certified mail, a letter to receive debt verification from Resurgent Capital/LVNV Funding for 2 debts they are reporting on my credit report. The letter strictly stated that I wished to only be contacted by email. Yesterday, I received their debt validation letter, which only is not adequate debt validation in my opinion, but they sent it to me via mail rather than email. Mail is not a convenient way to contact me! I know that this is FDCPA violation and I could demand a settlement for this, but ask that they please just remove the items from my credit report and cease all collection activity for the account with XXXX XXXX  a reference number XXXX as well as reference number XXXX with the original creditor being listed as XXXX  XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-03
Company: Credit Fresh Holdings Inc
State: IN
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I have had to take a loan through credit fresh because I fell on hard times and needed the money. Well Ive been paying on the account for well over a year at this rate. It seems like the balance has never gone under the XXXX  its at, if anything it just constantly goes up on its own. My payments were roughly XXXX every XXXX weeks for awhile. Then just recently they were so nice to introduce this new program called the credit evolution program my payment was supposed to go down to XXXX dollars every XXXX weeks. It did for all of about XXXX or XXXX payments. Since then it has done nothing but go up even higher than my original XXXX. My next payment is set to be XXXX dollars. My balance is clearly under the XXXX dollar limit for a lower payment. Ive tried contacting them about this issue before and they were no help. Claiming things such as thats just how the cycle charges work. When I go to their website to try and get my account statements they will not display. Almost as if the link is broken and there is no other area or option on the website to get them from. This lender is very predatory and unclear with how they do things. The fact that they are able to get away with just changing peoples payments on a whim is beyond me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Diversified Consultants, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sometime during mid XX/XX/XXXX I was checking my credit score on XXXX XXXX when I noticed that both XXXX and XXXX both showed one ( 1 ) derogatory remark. When I looked both showed I was in collections for XXXX XXXX for {$110.00} by a company Diversified Consultants, XXXX XXXX XXXX, XXXX, FL XXXX, XXXX. I assume this is also on the third credit reporting company as well. I found this odd seeing I have not had XXXX XXXX since XX/XX/XXXX. I know because that was when I moved and never used XXXX XXXX since. The service was ended on XX/XX/XXXX and I owned my equipment. Nothing was owed. I used the address provided on XXXX XXXX and sent a letter to validate the debt but never received anything. On the credit reports for both XXXX and XXXX they both showed that a account was opened on XX/XX/XXXX. What account? I did not open an account. I believe this Diversified Consultants are in violation of the Fair Credit Reporting Act. First they reported to the credit reporting companies that I opened an account with them on XX/XX/XXXX, which I did not. I believe they are re-aging non existing debt to appear that I opened an account with them. Second even if I owed anyone any debt, which I do n't, what they are claiming is past the State of Colorado 's Statute of Limitations for Debt which is six years for all debt. I checked today on XXXX XXXX and this was still there prompting me to file this complaint. I will also file a complaint with the Colorado Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-15
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2021, I received an email from PayPal with the subject line " You can no longer use PayPal. ( Ref ID - XXXX ) ''. Basically, the email stated that PayPal had identified certain risk factors with my account such that it could no longer do business with me. At that point ( and as of today, XX/XX/2021 XXXX, I had a balance in my account of {$1500.00}, funds received from clients for whom I do hourly work and that I used to make regular routine purchases for my cat supplies, XXXX XXXX XXXX account and various other sundry purchases. 

PayPal further announced that it had no obligation to explain the specific reasons for its steps and that it would hold my funds for 180 days and then notify me by email on how to transfer my funds. I immediately tried to transfer the funds on my account XXXX {$1500.00} XXXX to my linked XXXX XXXX checking account only to be asked to contact PayPal 's customer support. Attempts to contact their customer support department proved fruitless and I received no direct response from them in response to my demand for the immediate transfer of the funds on my account. 

My subsequent complaint to the XXXX XXXX XXXX about this practice was replied to by PayPal on or about XX/XX/2021 wherein PayPal basically restated what it had already told me and made no further efforts to resolve the dispute. 

I replied to the XXXX XXXX XXXX that, as far as I was concerned, the case was not resolved and that I would be contacting you for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I paid {$200.00} to a XXXX user, " XXXX XXXX, '' for a XXXX XXXX transaction. The transaction was paid through my Venmo account balance to the Venmo account user, XXXX XXXX, @ XXXX. XXXX XXXX, XXXX XXXX, or XXXX XXXX ( probably all fake names ) never delivered the item. When confronted through the XXXXXXXX XXXX they admitted to being a scammer and proceeded to leave the conversation. 

On XX/XX/XXXX, I reached out to Venmo support to report the fraudulent charge. XXXX XXXX from Venmo support stated that their team would " take appropriate actions against that account '' as well as have the specialist team " get your money back. '' All quotes are verbatim what XXXX said. 

I had to personally follow up with Venmo weekly in order to obtain any sort of follow up. On XX/XX/XXXX, they informed me that they denied my unauthorized payment claim and closed my case, even though I have written proof of the other party admitting to being a scammer, taking my money, and refusing to deliver a promised service.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Complaint against : Transworld Systems Incorporated XXXX I've told this company multiple times to stop calling me. There is no debt I owe them or any other debt collectors. They continue to call my cell phone every 2-3 days and leave voicemails. All they state in the voicemail is that " this is a recorded line ''. They then state " hello, hello, hello ''. And they finish by stating " no response received. Disconnecting call ''. I receive voicemails like this every 2-3 days. 

Here is a history of all the call attempts made by this company in the month of XXXX alone : - XX/XX/XXXX : XXXX XXXX - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX  - XX/XX/XXXX : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: EQUIFAX, INC.
State: MD
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:
Equifax Credit Reporting is failing maintain consumer 's credit file with due diligence as prescribed within FCRA. 

( 1 ) Failure to remove Inquiries timely ( 2 ) Conducting fraudulent investigations ( 3 ) Failing to give consumers access to their credit file ( 4 ) Prejudicing consumer by reporting of what is known or should be know by Equifax as misrepresented information ( 5 ) Requiring information of Consumer 's Financial information that causes Consumer to be open to identity theft ( 6 ) Unable to get contact representatives in correction of file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: Early Warning Services, LLC
State: FL
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:
You continue to ask me for information regarding this account when the law states that EarlyWarning must share documentation with me verifying the reporting of this account. Anyone or any company could put anything they desire on my consumer reports. Without proper verification, I can be responsible. 

According to Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). You must provide me ANY original documentation ( a consumer contract with my signature on it ) as required. You have violated this law. ( {$1000.00} fine ) According to the FCRA Section 611 ( a ) ( 7 ), Furthermore you have failed to provide the method of verification as required. Your company has violated this law. ( {$1000.00} fine ). 

Since you have not properly and lawfully verified this account. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

Please be advised that I am exercising my rights under FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Eastern Account Systems of Connecticut, Inc.
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I previously put in COMPLAINT on Eastern Account Systems. I told them the account they have ILLEGALLY put on my credit is NOT MINES. I provided an identity theft report and a note to furnisher since i NEVER received documentation of this alleged debt. The responded and stated i needed to contact WOW and complete an identity theft report with them and file a report with the police. I contacted wow and they could not pull me up because the debt was sold to EAS so they can no longer complete an identity theft report. I tried to call EAS to do the dispute with them but i do not feel comfortable giving y information for a debt that is not mines. I do not have an account number for this alleged debt or address. My address is XXXX XXXX XXXX XXXX, AL XXXX. I've STAYED HERE FOR OVER 5 YEARS. I was told a letter was sent to me about the debt, but i have never received a letter, EVER. I am attaching the identity theft report again and the police report i had the XXXX police waste their time completing. THE WOW ACCOUNT DOES NOT BELONG TO ME. Where i stay WOW is not even a service provider.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15
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 2022-03-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
An appraisal was ordered and conducted on XX/XX/21 for my home. However it has been months since the appraisal and Caliber home loans has been lost trying to find it. I have called support multiple times as well as messaged them online. During my most recent conversation with them they told me there was nothing they could do and the appraisal shouldnt have happened in the first place and canceled my request via letter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
I made a payment on my credit limit and I also have fraud charges that I was disputing and they closed my account against my will

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I made a bank transfer on XX/XX/2020 for { {$400.00} } through my account at Wells Fargo via XXXX to an account owned by XXXX XXXX XXXX  XXXX XXXX For the payment of a debt. 

The transfer was successful under the number XXXX, The money was debited from my account but XXXX XXXX, owner of the account to which I sent the money did not receive it. 
Call the bank to file the claim on XX/XX/2020which gave me promise to give me a temporary credit if in 10 days they did not give me solution to case case number XXXX, after a few days I went to the bank agency and nobody gives me answers or proof that the money was delivered to the recipient After about 10-15 calls the operators give me different information, some tell me that the case is closed and others not. 

I hope you can return my money shortly.

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 2018-08-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Last week, I filed a complaint against Portfolio Recovery because they reported a collection account on my credit report for {$1800.00}. Prior to this account showing up on my report, I did not receive a notice of my right to dispute. I have no idea what this is, and I am very frustrated that I wasn't even given a chance to answer for this supposed debt prior to it appearing on my credit report. Portfolio Recovery responded to my initial complaint and said they could not investigate it unless I supplied them with additional information. I do not understand how I am supposed to supply them with additional information about the account if I don't know what it is either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Experian Report # XXXX Date XX/XX/XXXX On this report Experian has on page 19 under Notices : this address may be perceived as a high risk because it has pertained to a business or was used as a mail drop or a delivery service : XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada NV XXXX is now on my report I'm tired of Experian adding things and creating false information as Experian does. Experian does not show on my XX/XX/XXXX this information Report # XXXX this but my XX/XX/XXXX Report shows this. 
I have Requested that also XXXX XXXX XXXX XXXX on Address be Deleted/Removed due to no Number to the apartment to identify the right address. it makes no sense to have a bunch of created address by Experian on my credit file that is no address or correct by Experian. I have hired some one to review these errors and it seems Experian does this on purpose because it was not on the XX/XX/XXXX report but now on XX/XX/XXXX report. 
The person I hired is very aware of this practice by Experian. They keep the past reports as proof to Experian Errors and bad Practices done time after time it seems to be a pattern by Experian.

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 2023-01-04
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have tried disputing charges made by a merchant under XXXX  and the bank has notified the back office that I stated they are unauthorized charges but they will not provide a temporary credit unless they dont give me a answer after the 10th business day well as withdrawals that were made from XXXX  which I did not make. I also mentioned based on another claim I made about a non chase atm that I lost my card and on top of the XXXX  charges, chase doesnt want to give me a credit for the non chase atm withdrawal and the XXXX  charges. This is over XXXX XXXX dollars! I explained I have been sick and in out of hospital so I have had no access to my account. I want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My complaint is against Target Red Card owned by TD Bank. My issue is how long is is taking to reissue my credit after making payment. I have never been late nor even had to pay interest. On one of the payments they even took it from wrong bank account after which I had corrected new bank account online with them and received a notice that new bank acct was entered. Every time I make my payment it is taking almost a month to receive credit limit back. I literally have to call and speak to a bunch of supervisors before anything is done and even then it still takes 5 more days. This is ridiculous and illegal. It states in their policy that credit will be issued two days after a payment and if late etc can take 5 days at the max not a month. I have taken screen shots of all payments when they are posted and also shows the credit still not issued back. Also have screenshots of bank acct as to when they received the payment. Please contact them and make sure they are following all rules I should not have to call every month to receive credit limit back after payment has long been made and cleared bank acct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: Affirm Holdings, Inc
State: TX
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 this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation