BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-09
Company: Paypal Holdings, Inc
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX, I placed an order online for {$580.00} for three items from XXXX using PayPals XXXX service. This meant that I paid for the purchase in XXXX installments of {$140.00} each : on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The items were delivered on XX/XX/XXXX and returned in-person to a XXXX showroom on XX/XX/XXXX, which was within the allowed return window. I received a handwritten receipt for the return at that time. 

However, a month later, I still had not received the refund due in the amount of {$360.00}. So I raised a dispute directly with the credit card used for the transactions, a XXXX from XXXX XXXXXXXX XXXX, administered by XXXX XXXX XXXX : claim ID # XXXX. As part of this claim process, XXXX received a letter dated XX/XX/XXXX from PayPal stating that my claim was accepted. As a result, XXXX also accepted my claim and charged back and refunded the appropriate amounts. I have now been refunded in full. As you can see from the screenshots, PayPal also opened cases and closed them in my favor, in parallel with this process. Those case numbers are : XXXX XXXX XXXX, and XXXX. 

Unfortunately, since then, I can still see on the homepage of my online PayPal account that PayPal has this XXXX plan incorrectly listed as in arrears, with immediate payment due. I also applied for a PayPal credit line on XX/XX/XXXX and was denied due to this error still being listed incorrectly on my account. My credit score is near XXXX and I have never before had any issues with any accounts whatsoever. The denial letter that came from XXXXXXXX XXXX  caused me to think that a negative report had been made to the credit bureaus. Thankfully, I have been unable to find any such negative account listed. I fear PayPal may yet report something that will hurt my credit in the future, though. I now believe that the issue is internally within PayPal and that the reason for the denial is the incorrect listing of this one installment plan. 

I have also tried several times recently to obtain new PayPal Pay-in-4 plans and been denied by PayPal. 

I have called PayPal at least five times trying to bring this ongoing issue to PayPals attention, but no one seems to understand it or has done anything to correct it. I have talked to multiple departments. Both PayPal and I now possess a recording of a recent call on XX/XX/XXXX, in which the representative verbally acknowledged that my claim had been decided in my favor and that PayPal had accepted the claim. Yet, I am completely unable to use Pay-in-4 at this time or to obtain any credit from PayPal Credit due to PayPals continuing listing this matter on my account as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Mailed off dispute letter to TRANSUNION on XX/XX/2022 did not receive a respond within the 30 day period thus violating law 15 U.S. Code 1681i. Also company has violated my rights under 15 U.S. Code 1681i ( a ) 2. I am demanding proof of this agency to show my consent to furnish the accounts listed below. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-01-01
Company: CAVALRY INVESTMENTS, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive already asked the creditor to provide documents that prove I own this suspicious account but they still have not responded yet! I have no recollection of ever owning this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-01
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not remember owning this particular account. I've asked the agency to provide signed paperwork that proves that I really own the questionable account but they have not complied as of the moment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2019-08-24
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I was marked as late per the attached dispute letter. I do not feel this is accurate. Can you please provide me with more information on how his information was verified with XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had a capital one quicksilver card, which I don't use too often. I did however have rewards credit of {$140.00}, in cash, not miles. Whenever I would try to use the card I would get an error saying it was declined. I went to the website and ensured the card was activated as I recently received a letter saying the account would be closed due to inactivity. I just today got a message the account has been closed and I am not longer able to get the {$140.00} credit as the account has been closed. I asked them to open the account again, as I have proof of trying to use it or to somehow redeem the $ I had on the card, but they declined to offer any type of help. 

Seems unfair to not offer anything for a to keep the account open so I can at least use the money I had on the card. I have text messages showing the card was declined, even though it was in good standing and a XXXX balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-11
Company: Credit Control, 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:
I have contacted you by mail several times XX/XX/XXXX, XX/XX/XXXX. This is my final attempt to contact you through mail. I received an alert on my credit report that I have accounts that are in collections. I contacted the creditor, credit bureaus and sent a certified copy of a letter to you more than 60 days ago. I have yet to receive a response from any of you. The information that is listed on my credit report is unknown to me and it seems to be inaccurate. Placing misleading and false information on a consumer credit report without no viable evidence of any original documents of contracts with wet signature is a violation. Not being able to provide original contract documents with the consumer signature is a major violation. You are reporting a debt that is not attached to me as the consumer. I am aware of my rights and I will pursue litigation if this matter isnt resolve immediately and removed from all credit bureaus, secondary credit bureaus. I am allowing 3 business days for the removal of the inaccurate accounts. I repeat do not attempt to sell my personal information to any creditor bureau or company. If this appear on my credit report in the future I will be sure to continue my pursuant with litigation. You are the winner, believe that. This is not a threat. You have violated several laws in the FDCPA/ FCRA sections 609, 611, 807, and more I can go on and on. The account numbers are attached in a letter below in the attachments/document section The accounts that are inaccurate misleading and false. 
1. XXXX 2. XXXX 3. 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 2021-10-11
Company: EQUIFAX, INC.
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 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 2023-10-04
Company: EQUIFAX, INC.
State: MI
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:
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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXXXXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX/XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Back on XX/XX/2023, I registered for Citi 's " Refer a Friend '' program, which offers me a {$100.00} statement credit after I refer someone to Citi and they are approved for a new credit card. On the same day, I shared my unique link with my brother. Within the next day or XXXX, he used my link and applied for the same card that I have, the Citi AAdvantage XXXX XXXX card, and was instantly approved. He has been using it as his primary card ever since, and Citi has gained a new customer because of my referral. 

Unfortunately, Citi has not held up their end of the bargain. Per the terms of their program, I should have received the {$100.00} statement credit within XXXX weeks of my brother 's approval. It has now been over XXXX weeks, and they have never issued the credit. I have reached out to them numerous times on the phone, and support inquiries have been submitted, but Citi has never followed up on these inquiries with any additional information. 

This practice is completely unacceptable on XXXX end. It is not fulfilling its obligations under the program that it has advertised.

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 2023-10-09
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The following accounts have violated my consumer rights : MIDLAND CREDIT MANAGEM : Acct # XXXX Violations : False credit info communication ( 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) ).

Communicating false credit info ( 15 U.S.C. sec. 1692e ( 8 ) ).

Threats, obscene language ( 15 USC 1692d ( 1 ) & ( 2 ) ). 
Postcard communication, improper language/symbol usage ( 15 USC 1692F ( 7 ) & ( 8 ) ).

Seeking prompt resolution per Metro2 guidelines. XXXX reports info excluded under 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), breaching Metro2 compliance. Immediate action requested, including deletion of derogatory info.

Accounts in collection without IRS Form 1099-C violate 26 USC ss 6050P. Request deletion within 30 days. Non-compliance will result in IRS forms 3949A and 211 filings. 

Prompt attention and resolution expected.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
I would like to stop receiving emails from XXXX XXXX who does not share how they they are in conjunction with LVNV. Please provide this information and please provide verification of debt. I have received XXXX emails since XX/XX/XXXX and about XXXX since XX/XX/22. I consider this harassment as they are also using multiple XXXX to reach out such as XXXX XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX who are constantly spamming me. They are using multiple LLCs or names so as to cause confusion. I also did not agree for debt to be collected by either LVNV OR XXXX XXXX or anyone else. They are also constantly threatening to return debt if unresolved when in fact I did not agree to work with them.I do not appreciate the threats and that is not how to go about this. Please explain why you felt the threats were necessary. They are soliciting me for money and quoted " It is the policy of LVNV Funding LLC, the current creditor, to delete the tradeline upon satisfaction of an account that they have reported. Please note, this applies only to the tradeline reported by LVNV Funding LLC and will not affect the tradeline of the original creditor or any other third party. '' Which means I would still owe the original creditor, please explain why I would pay this yet it would not affect the original creditor who I actually owe debt to. These are bad business practices that I would not like to be involved with at all and are causing me much harm. Please explain how it is valid to do all the above. I would like to close this debt account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I closed with XXXX XXXX to refinance out of a prior loan with Mr.Cooper/Nationstar. On XX/XX/XXXX funds were received by Mr. Cooper for the payoff of the previous loan but monies were not applied to the balance. When pressed on XX/XX/XXXX why the funds were not received, Mr. Cooper stated the funds were not applied to the balance as the payoff quote they issued was incorrect as it did not reflect the escrow shortage. Upon review of the copy of the payoff, it did indeed include the escrow shortage. On XX/XX/XXXX Mr. Cooper was asked again why the funds were not applied to the balance and the loan closed. Mr. Cooper responded that funds received were not enough to cover loan amount as Mr. Cooper had paid property taxes on the account on XX/XX/XXXX. Upon receipt of tax bill from XXXX town, XXXX ( XXXX XXXX  title company ) is shown as the payor for the taxes on XX/XX/XXXX. 

Mr.Cooper still has not applied the funds and will not until they receive a return check from XXXX town which may not be until XX/XX/XXXX. Until then, they're showing a payment is due XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-11
Company: CITIBANK, N.A.
State: OK
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
My university XXXX had a data breach in the summer. I believe i am one of the few who had my information leaked in the summer. The report has now shown on my credit report saying im late on a bestbuy payment. I do not own a bestbuy credit card. The balance on XXXX XXXX XXXXs showing to be {$3100.00} could be more now

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 2023-10-09
Company: World Acceptance Corporation
State: GA
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 604 A 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: Professional Medical Management, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I've received two notices from Financial Recoveries, acting as a debt collector for XXXX XXXX XXXX XXXX, to 1 ) collect a debt in the amount that is not owed ( Collection notice dated XXXX XXXX, XXXX for {$390.00} on acct. ending XXXX and 2 ) collect a debt that was paid in XXXX ( Collection notice dated XXXX XXXX, XXXX for {$45.00} acct. ending XXXX XXXX From my initial conversation disputing the debts, I was told XXXX XXXX has known issues with its debt tracking system and is sending collection files to its agent even though these customers may not owe debts. Ive provided confirmation codes ( XXXX ) for the {$45.00} payment from XX/XX/XXXX. 

I have been unable to get into contact with XXXX XXXX Billing ( number just dials or they connect ot someone who disconnects the line ) OR XXXX XXXX states they will follow up and to date have not done so. Its been over three weeks. XXXX XXXX should verify this information with Financial Recoveries and stop sending collection files when its unsure of its records. XXXX XXXX has also used other agencies to send collections notices on debts that are already paid. This company is harassing customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was a victim of Identity Theft several years ago. Once it was brought to my attention I made attempts to address the issues, with the three credit reporting agencies. I provided them with a letter stating that the information being reported was inaccurate. Also provided a police report, Federal Trade Commission Claim #, and a affidavit. First of all they took longer than 30 days to respond. When they actually did respond they stated the information had been verified. my response was how did you verify the information in dispute? They never responded and the fraudulent negative account is still showing on my personal profile. I sent another letter stating that the negative account in question wasn't mine. That's the only blemish on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: PENTAGON FEDERAL CREDIT UNION
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: Investigation took more than 30 days

Complaint:
In XX/XX/XXXX, I received an approval letter for a XXXX deferment for the XXXX XXXX XX/XX/XXXX. The bank reported the deferment payments as late with XX/XX/XXXX with it being XXXX days past due, XX/XX/XXXX being reported as XXXX days past due and XX/XX/XXXX being reported as XXXX XXXX XXXX XXXX 
I want this lates removed off my consumer 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 2023-11-11
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was job scammed off XXXX. I was sent a check in the amount of {$4800.00} to deposit on XX/XX/2023 to start getting what I need to start work from home. I purchased a XXXX XXXX for {$1300.00} at the XXXX XXXX. Sent that device overnight through XXXX so that vendor can upload the software needed to get started in the amount of {$230.00} was the overnight XXXX cost. I also XXXX {$500.00} on XX/XX/2023 to another vendor to help with set up cost. I was told I needed to send a cashiers check of the remaining funds of {$2200.00} on XX/XX/2023 for my XXXX XXXX to be set up with software. I sent the cashiers check overnight by XXXX in the amount of {$92.00} on XX/XX/2023. After all these transactions were made the check bounced and was returned on XX/XX/2023. This left me with no help and depleted funds in my account, trying to get a part time job I was left responsible from a scammer.

Company response to consumer: Closed with explanation