BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-24
Company: Security Credit Services, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX XXXX is currently reporting this collection as open and still attempting to collect on this debt after written verification was sent via email. XXXX XXXX was the customer service representative who informed me that I they do no provide documentation to verify a debt and that it can only be by payment only. I contacted XXXX XXXX on XX/XX/23 and have the email conversation still on file. Spoke with several representatives over the past week and when I ask for verification to be sent they either hang up the phone, transfer the call to a long cue hold or act like they cant hear what i am requesting and disconnect the call. The email sent to XXXX XXXX demanded all communication to cease but they still continue to contact me and deny they can not provide me with documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EdFinancial Services
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/23, my XXXX request on XXXX was completed. Review of the application is listed as completed. 

The next step listed was Your loan servicer will reach out to you with additional details regarding your completed application. Contact them if you have any questions. 

I have not heard from my loan servicer and I am unable to reach my loan servicer. I have called at least 4 separate times, requesting a call-back twice.

Company response to consumer: Untimely response
Consumer complaint received 2022-02-18
Company: Experian Information Solutions Inc.
State: MS
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: Their investigation did not fix an error on your report

Complaint:
I have asked Experian for validation of the creditor. I have requested for all paperwork from the original creditor to be sent to me. Section 609 states I have the right to ask for the information that was received by the Bureau Experian has yet to send me this information.

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 2023-04-24
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with 2 fraudulent accounts and fraudulent 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 2023-04-24
Company: EQUIFAX, INC.
State: LA
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:
They should have been resolved 45 days ago! I dont understand why this issues hasnt been resolved yet. I have false information on my consumer report and they have been sent the documentation and it still hasnt been removed. I read on the FCRA website that they have 4 days to block fraudulent information according to 605B, and yet they have decided to break the law. This is abusive behavior and they are not in compliance. The following items should be remove immediately. 

XXXX XXXX # XXXX Direct Violation 605B, delete now XXXX XXXX XXXX direct violation Direct Violation 12 CFR 1026.10 ( F ), delete now XXXX direct violation Direct Violation 12 CFR 1026.10 ( F ), delete now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Paypal Holdings, Inc
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter addressed to XXXX ( not my name ) at my home address indicating that I owe PayPal {$120.00}, reference # XXXX, acct # XXXX. 

The " debt '' was submitted by XXXX XXXX XXXX XXXX. 

I went out to PayPal and they show one use of my account, for {$25.00} to XXXX ( which is the only charge I've used PayPal for in the past XXXX years ). They show no other outstanding payment issues. 

Attached is a photo of the letter referenced above. 

Please advise regarding next steps to handle this fraudulent claim. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: MOHELA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
Sale promises about expectations and promises of jobs and none flexible options to repay loans. Learn was being serviced with XXXX XXXX and they refused to give me any options even when government was giving relief to borrowers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On Thursday, XXXX XXXX, XXXX I deposited a check on my JP Morgan Chase Personal Checking Account drawn on XXXX XXXX from a Government Agency, XXXX XXXX XXXX for {$2300.00}. I was told that the entire check would be held for 7 business days by the system from the branch teller but they could not say why. They suggested I call Corporate to find out about getting it released. 

I contacted Chase by their secure message system and they told me it showed to be released on XXXX. On XXXX, the funds were still not available and my account went into a negative balance. 

The money was already swept electronically by Chase by XXXX and this is a deliverate fraud to use my money for 11 days and collect interest on it. 

I ask for an investigation to JP Morgan Chase Bank practices of holding collected funds from the account holders as I am sure this is a Nationwide practice. 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-01
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX have 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 States : A consumer reporting agency can not furnish an account without my written instructions. 

I never gave my written consent for the furnishing of any of these accounts. 

My associates and I will pursue {$1000.00} per violation if the accounts are not deleted immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: NY
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 opened a dispute with Experian regarding a collection account by XXXX XXXX related to a XXXX XXXX collection account. Approximately a day later, I uploaded proof that the collection was erroneous but Experian has not removed this collection from my Experian credit report. This collection has caused a significant drop in my credit score. The receipt I uploaded is proof that the charge in question is for an XXXX that I returned back in 2022 for which I received a credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In response to a previous complaint where PRA has been dishonest and stated they did not receive notification from me about the two accounts they claim they bought from. I sent PRA a letter CERTIFIED MAIL on XX/XX/XXXX and it was signed for by PRA on XX/XX/XXXX @ XXXX XXXX. So they claim they are making is utterly FALSE and I have been disputing this fraudulent account. 



In response to your complaint, Portfolio Recovery Associates, LLC ( PRA ) investigated and verified the PRA accounts ending in XXXX and XXXX. We believe that no further steps in response to your complaint or follow-up actions are required at this time. PRA purchased the XXXX XXXX XXXX ( XXXX ), XXXX. ( XXXX XXXX ) XXXX  credit card account ending in XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXXXXXX Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for and used by XXXX XXXX whose social security number ends in XXXX and that a balance of {$400.00} was due on the account at the time of PRA 's purchase. PRA also purchased the XXXX XXXX XXXX   credit card account ending in XXXX, together with the right to receive payment of the balance due on the account, on or about XX/XX/XXXX. Business records provided to PRA by XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX, for and used by XXXX XXXX whose social security number ends in XXXX and that a balance of {$360.00} was due on the account at the time of PRA 's purchase. PRA sent its initial notification letters to you on or about XX/XX/XXXX. PRA has no record of a response or a dispute being received in relation to its initial notification letters. PRA received and responded to several disputes, which we received from you and consumer reporting agencies. In response to your disputes, PRA previously sent you the attached letters containing validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: FL
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:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items 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 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: OLIPHANT FINANCIAL, LLC
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I began receiving collection letters and calls from Oliphant Financial LLC stating that I had an outstanding debt that was placed for collection. I was told that I couldn't be sued for the debt because of the age of the debt and it being statute of limitations expired. I sent a letter requesting detailed information about the debt because I had no knowledge of the debt and wanted verification. I never received the requested verification of the debt. I then began receiving notices ( both by mail and telephone calls ) from XXXX XXXX XXXX XXXX stating that they were trying to collect the debt for Oliphant Financial LLC. I called the number on a letter I received ( XXXX ) and spoke to XXXX. I again asked for verification of the debt. He notified me that the debt was transferred to a company named XXXX XXXX XXXX XXXX. I called XXXX XXXX XXXX XXXX and asked to be provided with verification of the debt and was told that they mailed me a collection letter in XXXX and I was asking for verification outside of the time frame that was listed in the letter. However, I never received a letter from XXXX XXXX XXXX. On XXXX/XXXX/23, I received a credit monitoring alert showing that a new collection/charge off account was added to my credit report. It lists XXXXXXXX XXXX XXXX as the original creditor and Oliphant Financial as the current creditor. This company has added an old debt that is statute expired to my credit report and reported it as if it is a new debt but has failed to provide me with any verification of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Bread Financial Holdings, Inc.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
RE : XXXX First, you state I continue to allege the charges and interest are fraudulent. Because they are, whether you like it or not. The interest incurred on the original fraudulent charge is fraudulent ; despite the fact that you keep asking the entity committing fraud if theyve done it. And, I could care less if the entity committing fraud says Im liable. Of course, thats what theyd say. Theyre trying to XXXX. Whats more, it evolved from a merchant dispute to fraud once the seller lied about the quality of their product and their location, and when Comenity decided to follow through with the charge, despite the fact that the sellers website had been taken down for fraud, and the seller could no longer be contacted. Furthermore, your lack of evidence and circular reasoning is growing quite tiresome. Once again, claiming res ipsa loquitur just makes you look foolish. Lastly, as previously stated, I could care less if the scam artists at Comenity contacted the original scam artist seller before the website was taken down, and the seller verified the purchase. Once again, of course thats what theyd say. Theyre trying to XXXX as well. 

In conclusion : 1. The seller committed fraud by lying about the quality of their product and their location, and their XXXX  information and countless reviews proves this.

2. Comenity committed their first act of fraud by charging interest on the original fraudulent charge, despite proving the original charge was fraudulent. Then Comenity committed a second count of fraud by selling the fraudulent account to XXXX. I did not authorize the seller to charge my credit card for the product received, nor did I authorize anything coming from the region the seller lied about being in.

With that said, my position has not change. The above-mentioned account needs to be terminated immediately, and my credit rectified. The shady XXXX  collection agents need to stop harassing me as well. And, cool, you stopped reporting to the credit agencies ; as you should, it still doesnt fix the mess that has already been created by Comenity. This needs to be remedied IMMEDIATELY! Failure to do so will result in being contacted by the State Attorney, followed by legal counsel. 

Finally, XXXX is not a reputable company. Ive read your reviews, XXXX complaints, etc. Youre scam artists as well, and this is just one big XXXX XXXX  where you clowns rip people off while daring them to sue you. Whats more, stop the condescending XXXX. You clearly could care less about how the scam youre running has inconvenienced me. If you really cared, youd stop scamming people. Truth is, youre a bunch of XXXX. 

Quash this account and restore my credit IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX Balance : {$520.00} XXXX  XXXX XXXX Balance : {$190.00} XXXX XXXX Balance : {$490.00} XXXX XXXXXXXX Balance : {$180.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$180.00}

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 2023-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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 non-monetary relief
Consumer complaint received 2022-03-28
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2020-01-28
Company: GLOBAL PAYMENTS DIRECT INC.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Company : Global Payments Check Services, XXXX - XXXX XXXX XXXX XXXX, IL XXXX / re : acct # XXXX I reached out to this company Mid XX/XX/XXXX regarding a returned check. The amount owed is {$770.00}, and they offered a settlement of {$650.00} but had to be paid that day to avoid a third party collection. I advised that I had taken an unpaid medical leave of absence from work, and advised that I could not pay the entire amount in one lump sum, but would like to set up a payment plan. I offered to make a small " good faith '' payment that same day with a debit card. they declined and said they could not take any payment if it was not the payment in full or the settlement amount, and that they could not set up any kind of payment plan. I expressed very clearly that I was very concerned that this would get sent to a third party agency and would be reported to the credit bureaus. again they advised that they could not do anything unless payment was made in full and they would not accept any partial payment. today ( XX/XX/XXXX ) I received two letters. The first is an undated letter from this company advising that the account has been sent to a third party collection agency and that the account has now been reported to the credit bureaus. The second letter is dated XX/XX/XXXX, and is from the collection agency advising that they have received the account and an attempt to collect. My issue is that the " undated '' letter was the first letter that I received advising of any legal action. additionally I am very concerned that the company was not willing to set up a payment plan - when I clearly expressed that I was able to pay a reasonable amount per month to avoid the account going to collections and being reported to the credit bureaus. I am very frustrated because I have had medical issues that sometimes prevent me from going to work, and I explained all of this, but they were still not willing to set up a payment plan, or even take a small partial payment just to show that I am willing to pay. Now my credit is going to be adversely affected, which is a VERY BIG deal to me because I have spend the last 5 years cleaning it up. I have NO LATES on all of my active accounts and only XXXX  late on an old closed credit card. If this item gets reported to my credit reports, it is going to severely hurt my score and all the progress I have made.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: EdFinancial Services
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Edfinancial is my loan servicer. They are purposely not communicating with borrowers. The phone hold times are up to 8 hours. You can request that they call you back and keep your place in line. I've requested that 4 different times. They've called back once, when I picked up, I heard them laugh, then immediately hang up on me. I'm almost a fully XXXX veteran, and I know for a fact I can get a much lower payment. But they won't answer me or help me submit my financial information to get the payment lowered. I've tried to use their chat function, it doesn't work. I've tried calling, they hang up. I've tried emailing, and I get no response. I know I'm eligible for a much lower payment, but I have no recourse to have access to my loan servicer. I've filed a complaint with the Department of Education, but there is nothing I can do.

Company response to consumer: Untimely response