BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was served with a court summons for a debt originally with XXXX XXXX. First, Portfolio Recovery Associates , LLC never contacted me whatsoever prior to this court summons. I received not a single call, email or mail correspondence from them and they provided no such documentation in the court documents. Second, I contacted XXXX XXXX over a year ago, in roughly XXXX of XXXX to report a fraudulent line of credit and charges that occurred out of state that were not mine. I was told by XXXX XXXX that the account was closed with a XXXX balance ( I was also told this by XXXX XXXX yesterday XX/XX/XXXX ). I have been locked out of this XXXX account for over 2 years therefore having no view of any additional activity that may have occurred and Portfolio Recovery Associates , LLC also provided no such documentation in the court documents they had me served with. I have no access whatsoever and have not had so, to any itemized list of charges for at least 2 years. After investigating this more on XX/XX/XXXX, Portfolio Recovery also added a {$5100.00} debt to my credit report, again after never contacting me about this! 

I did not open a line of credit with XXXX XXXX whatsoever and both this line of credit and the charges, especially out of state charges, as due to identity theft. I report was filed with the FTC Identity Theft Dept. and the report number is XXXX. A complaint was also filed here against XXXX XXXX for mishandling this situation over a year ago. 

I spoke to XXXX, Manager of the XXXX XXXX Fraud Department yesterday, XX/XX/XXXX, with an employee ID of XXXX who apologized for this issue as again, he showed my account was closed, showed a XXXX balance and confirmed I've had no access to the account, didn't even have access to a XXXX XXXX account number ) the only number I have is the last 4 digits Portfolio Recovery Associates , LLC included in their court documents- the full account number hasn't ever been provided to me ). XXXX XXXX has once again opened a claim as fraud and advised I'd receive a letter from them confirmed the investigation is underway. The results of the investigation, however, can take up to 60 days. 

I attempted to reach out to Portfolio Recovery Associates to inform them of this situation and they will not take my call. As soon as someone answers, they hang up on me! I don't have an email address that I can find to reach out that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-19
Company: National Credit Systems,Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
We ( My husband and I ) bought a house and closed on the purchase earlier than we anticipated. Notified the property manager where we lived of this development and that we will be terminating the lease in XXXX of XXXX although our lease was supposed to end in XXXX of XXXX. As we can not afford to be paying a mortgage and a rent. They refused to negotiate with us despite several attempts to do so. We were billed an amount of {$7800.00} which lacked no concrete evidence. We still made several attempts to negotiate with them telling them to remove charges that were not ours, so we could pay what we are liable for but they never did. The debt was sold to a credit company called National Credit Sytems, one of their bill collectors called us and told us to just start paying in a rude manner. We took our time to tell her about the charges that were billed to us which lacked no basis, but she stated in her words 'I am not having this ' and cut the call short. Every time I or my husband called her, she made sure to threaten us with that statement ; I am putting this on your credit report in XXXX. I called her at another time and the first few responses from her to me was I am putting this on your credit report. 
Please note that we got the notice XX/XX/XXXX of XXXX, wrote XXXX letters to the bill collector who was handling our account at National Credit Systems but never got a response. 
Despite that, we went ahead and made payment on the XXXX of XXXX, XXXX so as to show commitment to paying our debt. 
Despite showing reasonable cause and intention to pay our debt, it was reported to the credit bureaus causing damage to our credit report.

My husband called the bill collector in charge and asked why our credit report was showing a debt that is currently being resolved, being paid on and the notice is not even up to 90 days as per the FCRA, her response was 'the payment made was too small which is {$50.00}. Plus, your wife was rude to me, and I told you earlier I will report it to the credit reporting bureaus '. 
For the life of me, I can not understand why someone would say {$50.00} is too small a payment to be made even when it is advised that one should payment that will not cause undue hardship on your finances and leading you into more debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: Selene Finance LP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We applied for a loan modification from Selene Finance after our mortgage was sold to them from XXXX XXXX XXXX. We timely made all 6 of the payments requested as contracted for during the trial modification period through XX/XX/2017. The amount that they put on the contract for modification included thousands of dollars of ridiculous fees but we agreed to it anyway just to get the loan modified. They sent us paperwork to finalize the modification which we signed and returned. They have now failed to send us fully executed modification documents. They have told us they would be coming. I will not pay the mortgage into the suspense account void that continues to incur bogus fees until I have the modification documents. We have been requesting them for 2 months. They are telling us to pay back due payments and it is not the deal that was agreed on. Now they are sending an intent to accelerate and foreclose. This is the same thing we went through last year. Now rates have increased and we believe that the Bank is trying to renegotiate their loan modification to increase the rate. I have all of the paperwork. I think they are crooks with terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Square Inc
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XXXX XXXX my Cashapp virtual card was charged {$590.00} and {$65.00} from a company called XXXX. I notified cashapp about the fraudulent charges and they have not refunded my money back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Manufactured home loan
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
I NEVER HAD BUSINESS WITH THIS FRAUDULENT COMPANY SHELL POINT LOAN # XXXX THEY SAY I OWE THEM {$910000.00} WHEN I NEVER HAD BUSINESS WITH THEM MAIL LOANSERVIVING@NEWREZ.COM NEWREZ.COM

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: Experian Information Solutions Inc.
State: SC
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:
My name Is XXXX XXXX XXXX ; my current address is XXXX XXXX XXXX, XXXX, SC, XXXX XXXX XXXX XXXX, Phone : XXXX, Birthdate : XX/XX/. I checked my credit reports and noticed some inquiries from companies that I did not give consent to access my credit reports, I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I did not initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FCRA. The following companies did not have permission to request my credit report : SEE ON THE ATTACHED CREDIT REPORT. I once again demand the removal of these unauthorized inquiries immediately. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi on XX/XX/2022 I got the capital one venture XXXX XXXX, On the XXXX I see that Capital One shut my account, but did not give me back the {$390.00} annual fee, on XXXX XXXX 2022 I called and they said that Im going to see it back within 10-15 business days, on XXXX XXXX 2022 I called back and i was told that the annual fee of {$390.00} doesnt go back. 

Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My student loans are currently in deferment as I am studying part-time. I did not choose to have my loans in deferment nor donI want my loans in deferment. 

I have been unable to cancel my deferment through Nelnets online service not through the phone. 

I am accruing interest in loans I want to pay off. I have made XXXX payments which were returned to me and I have made XXXX payment where the money was not allocated to my loan balance and was not returned to me, stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX   XXXX   XXXX  has failed to provide or ma il Proof of Contract or Documents with my signature for t he alleged item in dispute. Also, the balance is incorrect. Please Delete and Remove the alleged item, which is causing emotional stress and mental stress. I have attached documents for your review showing the correct balance. Thanks ...

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 2021-12-07
Company: Experian Information Solutions 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:
I've sent in my FTC report stating that I was a victim of Identity theft. The issue is I still have one account that they have refused to remove. I have answered every questions and sent in everything that has been asked of me but it still has not been removed. This is a direct violation of the law and they do not seem to care.

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 2021-12-07
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I received a notice from FIRST FEDERAL CREDIT CONTROL XXXX concerning XXXX debts ( {$15.00}, {$15.00} and {$10.00} ), which represent copays that i had already paid to my Dr 's office in XXXX. My primary care physician retired in XX/XX/XXXX, and the practice was sold. Because the amounts were small, I paid them on XXXX XXXX. In XX/XX/XXXX, I tried to apply for a loan, and these charges still appear on my XXXX credit report. I contact FIRST FEDERAL and they sent the attached letters confirming that the debts were paid As of XXXX XXXX, these amounts were AGAIN reported on my XXXX credit report. I can not get them to DELETE them and to STOP reporting this already-paid debt to 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 2023-11-17
Company: ERC
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: AZ
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:
Today marks 2 years i have been fighting inaccuracies on my credit report. XXXX XXXX XXXX has been removed from my credit report BY AN ATTORNEY over 5-6 times LAST year. It is continually being replaced after removal back onto my report. My credit score suffered because of this allegation. During this pandemic, this inaccurate reporting cost me dearly and my family suffered throughout losing everything. I have done a consultation with an attorney. He advised according to Arizona Landlord Tenant Act ( A.R.S. 33-321 ) it was a violation because Normal or 'fair ' wear and tear refers to gradual damage you would expect to see in a property over time. For example, damage to carpets, fixtures, and fittings is extremely difficult, if not impossible, to avoid over a period of months and years. We are talking about a decolorated blind stained by the sun. This means any deterioration in the property that is caused by regular use. The landlord then proceeds to state cleaning fees of {$250.00}. The unit was cleaned thoroughly by myself moving in and moving out which i uploaded the video for her to see and she explained the stove felt greasy and i could NOT see it on the video. According to AZ state law, landlords are expected to clean between tenants but charges a cleaning fee when unwanted items are left behind. I cleaned this unit and took every carpet and tools the maintenance man left behind to the office before moving my furniture in. I cleaned thoroughly before leaving.

After my consultation, i was informed that it was a violation of the Landlord Tenant Act and If a credit bureau 's violations of the Fair Credit Reporting Act are deemed willful ( knowing or reckless ) by a Court, consumers can recover damages ranging from {$100.00} {$1000.00} for each violation of the FCRA. XXXX XXXX XXXX has not only violated Arizona State Law but trampled over my rights with the help of the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: EQUIFAX, INC.
State: NC
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 to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Affirm Holdings, Inc
State: AL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I can not figure out who this is or how they got my information they sent a welcome email and there is no way to contact them I want to be opted out and removed from any system, card, etc that is fraudulently put on my credit or issued to me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 A : States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 2023-10-23
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have multiple concerns about EdFinancial. 

I called them multiple times this month to get information on the SAVE plan. They have over a two day wait period for callbacks and several times I did not receive any callback. When I finally did, I was told wrong information about consolidation and PSLF. The service representative did not seem to know what consolidation was. She also could not tell me when my grace period ended or when my payments were due ( she told me the wrong date and when I said that the website said a different date, she was confused and told me she didn't know ). 

Secondly, EdFinancial sent me a letter XX/XX/2023 stating that I owed over {$2000.00} in interest on my loans. However, the XXXX website ( updated as of XX/XX/2023 ) showed I only owed {$1200.00} in total interest. I am not sure how EdFinancial is calculating their loan interest but it seems like they are scamming lenders.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-23
Company: Paypal Holdings, Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently set up a business paypal account for my secondhand store. I have used it a few times for small amounts on my XXXX XXXX and website, but just recently had my account limited for no reason. They have not identified why and are currently holding my funds. 

Before limiting my account they asked for sensitive information, such as my drivers license and bank statements, then simply banned my account after handing it over. So now my business is stuck in limbo as I have transferred everything over to this PayPal account. 

I have spoken to customer service via XXXX, PayPals chat support and the phone and have not learned about what I have done wrong nor why my account is no longer accessible. As of now, they are holding my funds and will not release them, probably charging me interest in the mean time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 an information on my credit report ( Hard inquiries ) that don't belong to me. 
How I can take out This Hard Inquire from my account? It's affecting my credit score.

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 2017-05-12
Company: The CBE Group, Inc.
State: KY
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I have been making payments in a " rehabilitation '' program for well over a year. I just found out that instead of being rehabilitated, I am still in default. I have attempted to contact them by phone and by email for over a week now and I have n't received any communication. No returned calls, no returned emails.

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 2017-05-12
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On  XXXX   XXXX ,  XXXX , I received a n otification in the mail from Midland Credit Management , In  c, Asset Acceptance, LLC statin g that there was a Civil Procedure and Final Judgement against me from  XXXX  of  XXXX . I was asked to complete  a Fact Information Sheet and r eturn to sender within 30 days. The date of the letter is  XXXX   XXXX ,  XXXX . I have no knowledge of this situation. There is a  XXXX   XXXX  case number attached, when I looked up the case number it was filed in  XXXX  of  XXXX . Again I had no knowledge of this.

Company response to consumer: Closed with non-monetary relief