BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX PORTFOLIO RECOVERY ASSOCIATES LLC sent a debt collection of {$700.00} that was dated back XXXX from a XXXX  XXXX and it was charged off XXXX. Im reporting this account as fraud because my brother has used my name in several attempts to receive credit cards for financial gain in my name. For I have no knowledge of this account and I'm also attaching a official document from his XXXX  XXXX that he has been using my name with a FBI number that's listed on the document .and I have also re-enter a fraud alert with XXXX XXXX with this matter

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01
Company: Selene Holdings LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After a period of Covid forebearance I entered into a trial mod plan with XXXX in XX/XX/XXXX. I made first trial payment in XX/XX/XXXX. The mortgage servicing was transferred to Selene in XX/XX/XXXX. They refused to abide by trial mod I had reached with XXXX. They refuse to tell me why and have repeatedly refused my requests for documents such as an accounting of the loan. I get a different story every time I talk with someone and promises never kept. Now they want me to enter into trial mod with double rate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: EQUIFAX, INC.
State: TX
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud.

Company response to consumer: In progress
Consumer complaint received 2023-12-10
Company: JPMORGAN CHASE & CO.
State: VT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I got a letter in the mail saying that after careful consideration it was decided that my credit card account was being closed because of my association with a chase credit card, deposit or investment account that was previously closed. I do not have any other accounts with chase that could have been closed or any association. On the letter it says if you have questions to call the number provided. When I called the number they said they could not tell me reason that my card account was being closed. I asked if I could speak to someone else that could tell me and the operator told me that no one else would be able to tell me either. I have not been late on any payments and am really confused. If I did something wrong Id like to know so I can make sure to not do the same thing in the future, but I have no idea why they are canceling my card and can not get an explanation. Im a little worried that this is somehow a scam because it doesnt really make any sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: Experian Information Solutions Inc.
State: FL
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:
This is my second notice asking the following credit bureaus XXXX, Experian and XXXX to remove, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my consumers report, this payment is being reported twice within another XXXXXXXX XXXX XXXX XXXX dated the same year and month, I was never late on this self-lender account. This is against FCRA to have two of the same payment reporting on two different accounts I have never been late.

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER gave you written notice and consent to report ANYTHING on my consumer reports. 
As a consumer by law this account must be deleted or late payments must be deleted immediately or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX  and Attorneys General Office and Federal trade commission.

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 2023-08-24
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: Information belongs to someone else

Complaint:
Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove/delete the following accounts completely from my credit reports. 
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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX  account # XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

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.

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 2023-09-29
Company: Nelnet, Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Many years ago this company reported on my credit report and I never signed or borrowed any student loan from them. Years ago I only agreed to pay because I didnt want them reporting negatively. I disputed them before and now they have reappeared on my report. Ive asked who consented this loan because I never have. Im asking to have this removed from my credit report immediately. This is not a debt to student loan I consented to

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2021, I went to the car dealership, in which they pull multiple hard inquiries was pulled from Experian such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Also I was hit with XXXX more hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have called all lenders they have stated they show no information with my name connected to accounts or loans. I have reach out to the Credit agency, I was told I have to speak with the companies or agency who have reported the inquiries.

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 2023-10-25
Company: Experian Information Solutions Inc.
State: LA
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:
This company is still reporting this identity theft account under my name and on my credit report. I didnt open this account my identity and information was taken over and have caused me emotional distress and problems of this company dont remove this from my credit report and from under my name I will look into legal ramifications. I been a victim of identity theft. I have attached an FTC identity theft affidavit that I had to file.

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 2022-11-01
Company: Monterey Financial Services LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I believe that Monterey Financial ( XXXX ) engaged in deceptive and predatory lending practices which potentially violate the Servicemembers Civil Relief Act ( SCRA ), the Military Lending Act ( MLA ), the Consumer Leasing Act, and the Truth In Lending Act. The closed-end product lease I was given greatly exceeds the MLA 36 % limit on loans charged to military personnel. I was also not given a copy of the lease to review until requested directly on XXXX XX/XX/2022 ( attached as XXXX Contract ), several months after the lease had gone into effect, and initially I was given someone else 's lease documents ) attached as XXXX ). I was only given a verbal disclosure and a form to sign online but it did not include the lease information. Additionally, the provided lease document has my name and information but not my signature. Further, the XXXX tolling period for the Satisfaction Guarantee Buyout Guarantee did not account for time I was XXXXXXXX XXXX XXXX XXXX XXXX and I consequently missed this timeline by XXXX day. The lease also contains a binding arbitration clause which I believe directly violates the MLA and SCRA. I provided a letter to the company on XXXX XXXX ( attached as XXXX  Dispute ), outlining all this but was told my claim does not have merit. I have attached documentation to provide additional details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: MI
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

I would like all of my unauthorized Inquiries, my derogatory remarks, late payments, public records, closed accounts, and student loan accounts removed. Many of these accounts fall under the statute of limitations or are misreporting on my credit report.

Please apply these laws to my accounts : The Fair Debt Collection Practices Act Law 111-203, title X, 124 Stat. 2092 ( 2010 ) FairCredit Reporting Act ( FCRA ) 15 U.S.C. 1681 ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I issued a wire from my Wise account to my local business account. The wire was rejected by my local bank on XX/XX/XXXX ( due to incomplete information ) and returned to the sender ( Wise ). I reached out to Wise. Wise issued a recall on the money on XX/XX/XXXX and told me it would be between 1 week and 1 month for the money to find it's way back in my account. It is now XX/XX/XXXX and the money has not yet been returned and I'm not sure they're doing anything to get it back. The amount is {$6500.00} USD.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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 am writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
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:
The following alleged collection account, XXXX Funding, is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$600.00}. This account is reporting inaccurately. This is a violation of the FCRA and is in violation of the requisite XXXX Complaint reporting standards. I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand this derogatory item to be DELETED from my report immediately. 
15 U.S.C 1681 Section 602 ( a ) : States I have the right to privacy 15 U.S.C 1681b Section 604 ( a ) Section 2 : States a consumer reporting agency can not furnish an account without my written instructions and has used my credit report without permissible purpose.

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 2019-03-30
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I had all but completed a complaint but had to leave the web page to try to find a account number for PayPal which does not exist. I will add a summary here : More than 2 weeks ago I tried to link to my PayPal account a bank account that I could use to transfer money economically and on a timely to basis XXXX. 
I have spent literally hours on the phone - at least XXXX as measured by my IPhone, usually an hour or more hold time, plus as much as an hour sometimes in trying to solve the dilemma. The dilemma revolves around the fact that they don't accept my XXXX phone number ; so, they had me arrange for one of my children 's phones in the US to be used and authenticated, and it has been so authenticated. 
The problem with PayPal is that they will not except my email, as half dozen other firms do, for authentication purposes. They insisted on the phone number. 
Two or three times they ran a series of, security questions, from who knows where. These are not questions that I had submitted answers to. They were questions like, what was the color of my XXXX car ; one possible answer was green and one possible answer was blue. Well I had one of both bought within a month of each other ; XXXX XXXX chance of failure. 
Another time they had someone who didn't speak XXXX, and I couldn't understand her and she couldn't understand me. 
Then there's the issue that I have it son and a grandson with the same name as me, and I think they were asking me their questions about their addresses and so forth. 
For the last 10 days I kept calling back because they were telling me to call back in XXXX to XXXX hours for more security questions. Today, they told me there will not be any more security questions. I am just out of luck. 
Finally, 10 days ago I accepted their suggestion to take out a free debit card from PayPal in order to draw out the money. That would not be very convenient, but at least I could get the money out. That was promised within 7 working days which is past, and it's still not been delivered to my forwarding address - much less to me in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: Eaton Group Attorneys LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX XXXX filed 3 lawsuits against me on accounts that have not been verified to be mine. They started in XX/XX/XXXX, second one XX/XX/XXXX and third XX/XX/XXXX. I've not had anything like this happen before, so I wasn't familiar with going to court. It all happened so fast because they were sending one right after another and they got default judgements. Which in turn they sent to my employer and my checks have been garnished for the past 6 months. They keep sending letters to my employer and have sent information on the details of the debt which is a violation of the FDCPA directly to my employer via email and regular mail. They keep sending letters to my employer over and over. To the point my employer is tired of dealing with it and I could be in jeopardy of losing my job of almost 10 years. This has been a completely humiliating for me being harassed on a debt that I don't even know that I owe. Not to mention ALL the charges and fees that added to it. Something needs to be done about this company ASAP. They're violating numerous laws daily! Misrepresentation of being an attorney but they're really a collection agency, they have and still are called harassing my family and my employer, and misrepresentation about the debt and how much is owed and verification that I even owe the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I did not consent to, or authorize nor benefit from this account. Block and remove it. 
XXXX XXXX XXXX Balance : {$0.00}

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 2022-10-25
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 information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT # XXXX has violated my rights The credit bureaus received letters asking them to verify the debt on my report. They answered back stating that everything is verified correctly. My credit report is still showing inaccuracies 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 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 2022-11-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My mortgage was transferred to the new company they dont care about customers its like a pre read statement no matter who you talk to and they all say the very same thing it takes for ever to talk to someone and get results cause they dont care When I was transferred my insurance was due on my condo I was so nervous I paid {$200.00} so it would be active now my taxes are due they received the bill and Im still waiting for them to pay them They take way more money each month for escrow which my taxes and insurance are about {$900.00} a year for both right now there is enough to pay both I hate that they treat me like I dont know what Im talking about Please help with this stupid company I would love to transfer but I dont have the funds to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I don't think my credit score reflects the {$930000.00} I have in stocks & bonds in addition to the value of the house ( XXXX ) and its contents. After 58 years of not missing or being late with a single payment of a single account, the score seems to me to be too low.

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