BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2019-08-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 put a dispute to Experian on XX/XX/XXXX to dispute incorrect account information on my credit report. I put a dispute to Equifax on XX/XX/XXXX to dispute incorrect account information on my credit report. These two credit bureaus state that I have two Bank of America credit cards, which I do not have. These two credit bureaus also provide me with credit report with incorrect full name, birthday and address. 30 days later, I received result from the bureaus saying that Bank of America verified they reported correct information to them. These two bureaus asked me to contact Bank of America and get a proof saying that I don't have any credit card with them. I went to Bank of America. Bank of America said that I don't have any credit card with them. Bank of America asked me to connect with Equifax and Experian to solve this problem. I spent over 20 hours calling and solving this issue. But it can never be solved. It has almost been 1 year.

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 2023-10-07
Company: Paypal Holdings, Inc
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX made a transaction from his XXXX card to his PayPal then got a NOTIFICATION ABOUT NEED SOME MORE DETAILS. XXXX answered the questions. PayPal says YOU ARE HIGH RISK. XXXX wanted more answers. PayPal says THEY DO NOT HAVE TO GO INTO DETAILS. XXXX says WHAT WENT WRONG I CAN NOT USE PAYPAL. PayPal answers with the same REPLY. And XXXX says WE HAVE THE RIGHT TO REFUSE ANYBODIES BUSINESS. How did PayPal decide to refuse XXXX ' business... It must be XXXX XXXX because someone in high rank position ONLY can refuse business. XXXX had great XXXX  anguish because the refuse business excuse. IT HAS TO BE A FAKE REASON. XXXX can not use PayPal like the OWNER says that, and XXXX has to get off of XXXX too. I DO NOT LIKE HIM.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2013 I paid off or settled all accounts on my credit report this one included. This debt was originated with the state of Illinois over 20 years ago. This collection agency has attempted constantly to reopen this collection by saying the State of Illinois asked them to. This is untrue and I have spoken to the State of Illinois and was told this agency is acting on their own and possibly manipulating the law. I owe them nothing, and will never pay on an account I settled, with one of their agents over 7 years ago. As a senior citizen and a veteran, it is very disheartening seeing this type of company preying on the old. Again all credit reporting agencies will be able to confirm this debt was settled and taken off my credit report in 2013. It should also be noted this company tries to portray they are connected or approved by the XXXX XXXX XXXX there is no proof of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I am submitting a complaint against Portfolio Recovery which is a third party company who has purchased an inaccurate collection list from XXXX XXXX. They are reporting to XXXX, XXXX, and XXXX  that I owe there company XXXX on an account that is not my account. They are in violation of the Fair Debt Collection practice Act section 807-8 because they have no competent evidence bearing my signature showing I am contractually obligated to pay this debt. They are also in violation of the fair credit reporting act section 623-b.  for defamation, negligent enablement of identity fraud violation. They are also trying to collect funds from my social security benefits.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-25
Company: Experian Information Solutions Inc.
State: NY
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. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The paperwork said the Seller gave a gift equity of {$50000.00} to the buyer. This is not correct. Now the seller owes {$28000.00} in taxes gor the {$50000.00} so called gift that was never given. The person doing the Lending paperwork did not explain the process and falsified amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX Date opened XXXX XXXX, XXXX  Balance {$0.00}, XXXX XXXX XXXX Date opened 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 non-monetary relief
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was taken advantage of, while several laws were being broken under the FCRA by EQUIFAX. EQUIFAX has Failed to Remove and BLOCK the fraudulent information included in my identity theft report from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to XXXX, XXXX, and Equifax to investigate my accounts. It has been over 30 days. These consumer reporting agencies are in violation.

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 an 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 or 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: United Collection Bureau, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Prior to being sent to medical collections, I communicated by their internal mail/chat and mail that I was charged for services that were not performed, and I was not charged or received information on a diagnostic/lab that was performed while in XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX 
I agreed that there was an outstanding balance on XX/XX/XXXX for {$400.00} for XXXX, that I had to discontinue my payment plan due to financial challenges. I reinstated a monthly payment with United Collection Bureau ( XXXX XXXX XXXX, XXXX, OH XXXX. XXXX ) on XX/XX/XXXX, for UCB  Reference # XXXX and XXXX  account number XXXX, and have satisfied {$370.00} of the debt to date. 
A chart review would have identified duplicate or erroneous charges, and that a charge and result for identification of an issue was missing ( they said it was sent to an outside lab ). Outstanding charges with United Collection Bureau that I do not believe services were performed or are duplicate charges are : XXXXXXXX XXXX XXXX XXXX with account numbers ending XXXX ( UCB  reference : XXXX ) and XXXX ( UCB  reference number : XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: PA
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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: Their investigation did not fix an error on your report

Complaint:
I have disputed this account with XXXX, Transunion and XXXX several times. Most recently on XX/XX/. I asked for a contract and proof of debt. I did not receive any documentation of the this alleged debt until I filed a complaint with CFBF. 

My problem is with the verification of this account. How was the account verified as accurate as reported on my credit report? XXXX, Transunion and XXXX all allegedly completed it's investigation into the account it came back verified. XXXX XXXX provided me with an " itemized '' bill that I have never seen before. The bill does not have my correct address on it nor is it accurate. It has an address different from the address on my credit report and a different address from the driver license that they attached to the bill. The driver 's license belongs to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, Texas XXXX however, the bill belongs to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Texas XXXX. My name is XXXX XXXX XXXX, I have never resided at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. This account has been mixed up or merged with another account. It is not accurate. 

Be advised that this IS NOT a dispute or another opportunity for you to reinvestigate the previous dispute. The period to conduct such a reinvestigation has expired and shall not be extended by law. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation. As a result, please delete this account. Additionally, as per the FCRA, you are liable to me for damages for you conduct. In addition to deletion of the disputed account, you are demanded to send a check in the amount of {$1000.00} payable to 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 2023-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have checking, savings and a credit card with Capital One. On XX/XX/2023 i received a late night call ( XXXX XXXX! ) from XXXX XXXX XXXX XXXX alleging he is with Capital One and wanted me to approve something. I hung up but he continued to make XXXX more calls which I did not answer. Following day I got several alerts from XXXX advising me of inquiries put on my credit report by Capital One. When I called capital One they discovered that another person with my personal information applied for a Venture credit card which was approved They then closed it and initiated a fraud investigation which can take XXXX days. I am not aware that the new card was used and it's not showing on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 Account # 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 an account without my written instructions.

This account has reported two late payments, which is inaccurate. Ive never been late.

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 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Someone pull my credit with out my request with these companies. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am in the process of trying to purchase a home. I was unaware of a fraudulent debt on my account, until I was declined by the bank for a home loan. I have never received any notification of a debt, notification of right to dispute within XXXX XXXX, or any verification of these alleged debts from Portfolio Recovery which is a violation of FDCPA. Portfolio Recovery has destroyed my credit, without notifying me of the same, for accounts that I do not owe. I do not owe Portfolio Recovery, nor any party that Portfolio Recovery claims to represent. This is the last thing a consumer should have to be facing, especially in unprecedented times, such as these. I demand that Portfolio Recovery remove this fraudulent debt from my credit report or I will sue, and seek the maximum compensation available under the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Security Credit Services, LLC
State: TX
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:
XXXX XXXX, I BELIEVE THEY TOLD ME IT WAS A BUSINESS CARD BUT THE ACCOUNT NUMBER ENDS IN XXXX. SECURITY CREDIT SERVICE ACC # XXXX, THIS COMPANY TOLD ME TO EMAIL MY FRAUD CLAIM ALONG WITH THE DOCUMNETS ANDTHEY DENIED IT AND TOLD ME TO MAIL IT AGAIN, PLAYING A STALL GAME.BY I NEVER VALIDATE THAT ACCOUNT, I NEVER SAID THAT ACCOUNT WAS MINES. I TOLD THEM ITS FRAUD, IM NOT PAYING AND TO NEVBER CALL ME., THEY VIOLATED THE FDCPA ACT AND THE FCRA ACT BECAUSE I TOLD THEM THIS IS A FRAUDULENT ACCOUNT..ACCORDING TO THE CREDIT BUREAUS THIS IS A COLLECTION ACCOUNT BUT XXXX HAS IT LISTED AS A CHARGE OFF AND COLLECTION. IM GETTING DOUBLE PUNISH.IN CASE I HAVE TO SUE XXXX I HAVE 6 HOURS OVER THE PHONE RECORDED WITH THEM TELLING ME A LIE EVERYTIME, SAYING THEY REMOVE IT OR THEY CANT BUT THEY WILL THIS TIME, THE CFPB AND FTC REPORT IS FAKE REPORTS AND MORE REDIQULOUS STUFF. AS I HAVE SAID IN MY PREVIOUS COMPLAINTS NOW I HAVE XXXX AND XXXX AND PANIC ATTACKS. THE DOCTOR DIAGNOSE ME AND NOW I GET PRESCRIBE THIS MEDICINE. WHATS IS SO SAD ABOUT XXXX XXXXXXXX, THEY SAID NOT ONE PAYMENT WAS MADE.I BEEN SENDING THEM ADDITIONAL DOCUMENTS FOR 4 YEARS OR A LITTLE LESS. IM A VICTIM OF FRAUD I SUBMITTED FTC REPORT, POLICE REPORTS AND UPDATED POLICE REPORTS. AND WHEN THEY SAID NO TO THAT THE CREDIT BUREAUS SUPPOSE TO MAKE SURE THEY VERIFIED TO THE MAXMIMUM ACCURACY AND ITS OVER HALF WAY COMPLETE AND XXXX EVERYTIME SAY THAT BECAUSE THEY DONT SEND THE INFORMATION THAT THEY WILL NOT REMOVE IT NO MATTER WHAT. I HAVE AUDIO FOR THAT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I personally did not take out this loan. The number attached with this amount of money taken out does not match with my phone number. The texts I am getting are towards an XXXX. This loan was getting paid and it stopped getting paid but the company never had my actual account, had to be from someone else that falsified my XXXX and my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: United Collection Bureau, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
It was in XX/XX/2023 a debt collector called UCB had an entry on my report for {$840.00}. This was the first I knew about this, so I disputed it. Apparently the credit bureaus take the creditors side no matter what, because they left it on my report. Had I been given the chance I would have paid some, but never ever received a bill from these people. From all the complaints I've read about them, neither does anyone else. This is in violation to send this to the credit bureau without contacting me first. Once I disputed it on the credit bureaus I did receive something, but not an invoice or a way to pay it. I guess it was a validation and only after I disputed it with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I'm trying to get my credit score online and no lenders can access my file if I wanted to open a credit card. Equifax is the online credit reporter and I have called over 20 times to get help from them. They never help and they will not take me seriously. My credit score says XXXX  and lenders also can not access this. Equifax is horribly rude and always says the same thing - we will escalate your issue. It's been over a year with at least 20 calls to them for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid a total of {$4300.00} in XXXX of 2023 to pay my Bank of America card off in full, and this amount was confirmed by a Bank of America agent. In XXXX of 2023, I received a statement from Bank of America for {$83.00}, I called to advise this account was paid in full, and I was advised this was interest. I requested and the agent agreed to waive the fee, I was under the impression all had been resolved until I received a 30-late notice from all of my credit bureaus. I have never had a credit card company bill for interest after the card has been paid in full. I was so disappointed with Bank of America that I paid the fee and closed my account. I am also pulling all of my accounts and investments. 

Account # 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 monetary relief