BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute an alleged debt with Portfolio Recovery after numerous attempts ( letters sent to debt collector for validation ) they were unable to validate that I owe this alleged debt. How is this possible? under the laws of the FDCRA these negative items still being reported on my credit report. I have contacted the collection agency for proof ( copies of my signature, original contract with me and debt collector in agreement, original copies of the last statement or actual bill with me in the debt collector ) no official documents or authority the collection agency has, such as a license to collect in my city/state. After numerous attempts still unable to get them to verify with any official permissible documents that this is indeed my debt. Ive enclosed copies of my request to the collection agency asking them to validate this alleged debt in the receipts showing that I sent these letters certified signature request. This Debt is not mines and I was given no evidence of my obligations to pay this alleged debt to this collection agency. I will use the courts as needed to enforce my rights under the FCRA. I look forward to CFPB protection and to enforce the law against all perpetrators and violation of FCRA laws. CFPB protect my rights to a fair and accurate credit report, also if legal actions are taken and CFPB fine such perpetrators negligent against myself. CFPB would be called as a witness on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
The past 6 months I have and been disputing inaccurate information on credit reports. XXXX XXXX XXXX XXXX XXXX, the original source, filed a judement to courts. They have also reported same related information to credit bureaus. XXXX XXXX XXXX XXXX XXXX are actively reporting XXXX account as XXXX seperate entities.One acct. under XXXX, and Civil Judgement as XXXX. XXXX no longer owns the account. A company called XXXX XXXX. has the acct. I filed dispute with credit bureas to remove judgement and other acct. information, based on the fact that XXXX XXXX XXXX XXXX XXXX no longer has said accts.XXXX deleted both disputed accts. Equifax removed XXXX acct. but kept judgement on report as satisfied. After several attempts, XXXX has refused to update either accts. I am still disputing inaccurate information to XXXX with no success and have recently discoverd that Equifax has put previously removed acct. back on my credit report however did leave the judgement as satisfied. Once again, I am disputing inaccurate information with that reporting agency as well. The ordeal with these credit bureaus have caused undo stress and creating unjust. Also, I would like it to be known that both accts being reported from XXXX is showing XXXX different balances as well. I would like to thank you for your time. I am attaching documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: TX
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX someone access my paypal and withdrew {$540.00} out of my crypto currency and put into paypal then withdrew it from paypal to xoom i did not authorize this i was incarcerated in jail at the time paypal keeps saying the transaction was authorized but it was not authorized by me Paypal allowed my primary phone nunber and email to be changed during all this which allowed for this to take place had they not let this perpetrator change the primary number it would of never been able to steal all my money bc my phone was locked up with me in jail. XXXX user agreement states that unauthorized activity occurs when someones credintials are used without permissions that results in the paypal customer recieves no benefit from the transaction made which i didnt there is way more than enough here to see this was fraudulent activity and paypal let someone change nimbers change emails drain XXXX XXXX accounts and use a different unconfirmed number and email to make all this fall in place Paypal is definitely at fault here and rhem sending a computerized auto generated email saying this transaction wasnt unauthorized is there way to not have to pay people back this majes Paypal Inc thieves within there selves this is quite ridiculous money isnt easy to come by and this is also telling fraudsters that what they do is ok by their standards someone stole my oassword accessed my account and it did not benefit me that is FRAUDULENT ACTIVITY BY PAYPALS OWN USER AGREEMENT I NEED MY MONEY BACK PAYPAL

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: MS
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:
When I investigated my credit report, I see that the account was erroneous. Experian and XXXX are required to reinvestigate this account. It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Please investigate the unverifiable account below : 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 2022-02-20
Company: AES/PHEAA
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:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I recently received a copy of my consumer report and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Running my credit report I notice that I had accounts that I did not authorize or know anything about thats was in collections and did not belong to me. I then proceeded to make a police report and call all three credit bureaus to let them know..

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 2023-01-02
Company: EQUIFAX, INC.
State: DE
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 XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XXXXXX/XX/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 2022-02-20
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2022 I received a XXXX XXXX XXXX ( # XXXX XXXX XXXX XXXX ) as a birthday present from a friend. The card was purchased on XX/XX/XXXX at the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX in the amount of {$30.00}. When I attempted to use the gift card on or about XX/XX/2022 at a merchant, the gift card was rejected. I then logged in to XXXX and learned that the gift card was apparently fraudulently used in XXXXXXXX XXXX on XX/XX/2022. I was never in XXXX, XXXX and did not use the gift card at that merchant. The card in question was somehow registered to another user. I contacted XXXX at XXXX and was instructed to fax the following information to them so that the a new gift card in the amount of {$30.00} be issued to me. On XX/XX/2022, I faxed XXXX ( fax number XXXX ) ; XXXX ) A copy of the gift card, XXXX ) A copy of the receipt that purchased the gift card, XXXX ) A copy of my driver 's license. On XX/XX/XXXX, I followed up with XXXX and called them about the fax. They informed me that they had received the fax but couldn't read my driver 's license information and I would have to re-fax the documents. The information on my end was clear and readable. Nevertheless, as requested, on XX/XX/XXXX, I re-faxed the information to XXXX with an enlarged copy of my driver 's license, a copy of the gift card, as well as a copy of the receipt used to purchase the gift card. On XX/XX/XXXX, I again followed-up with XXXX about the status of my second fax. This time XXXX informed me that although they received the fax, the purchase receipt was missing and I would have to re-fax the documents a third time. I tried to reach a resolution with them over the phone but I was unsuccessful. My access to a fax machine is limited. The use of a fax machine is an outdated practice and is being used, in my opinion, to make it difficult for people that were defrauded for relatively small amounts of money to claim what is rightfully theirs. In my opinion, the XXXX company is making this process intentionally difficult for persons making a valid claim.

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 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 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 2021-10-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Forgot to submit info from credit report of cap one reinsting an account that was discharged in bankruptcy in 2017, not sure why they r doing this,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-15
Company: JPMORGAN CHASE & CO.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
On XX/XX/2023, I logged into my bank account. I saw Chase had taken {$1300.00} out of my checking account I had not authorized. I called chase and spoke to someone who barely spoke English. I was told Chase could take an extra mortgage payment if they wanted to. I told woman, no I didn't authorize a {$1300.00} mortgage payment. I paid {$1100.00} on XX/XX/XXXX or XX/XX/XXXX. She stated, Yes, I see that. I told her the money needed to be put back in my checking account. She stated it would take 5 days for Chase to decide if they were going to give me my money back. I told her unacceptable and asked if Chase was going to pay all fees I was going to incur? She asked what fees. Told her I have other bills Coming out this month and Chase took my money. I was told I could transfer money to cover bills. It's not Chase 's fault or responsibility if I don't have money in my account. I told woman it is Chase 's fault. I did not authorize any money other than {$1100.00} for Chase to take out of my account. She then told me she'd escalate case and I'd know in 2 days if I was getting money back. Also, woman stated multiple people had called today with the same issue and she believed it was an online payment issue. I did ask for proof I authorized Chase to take {$1300.00} out. Woman refused to answer and told me I'd have to wait for Chase to decide if they were giving me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or about XX/XX/2022 I received a letter via mail from Resurgent Capital Services a debt collector company. Upon receiving this letter I notice that this company was trying to collect on a debt and several of my rights were violated. Pursuant to 15 USC 1692g ( 3 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector. A statement was not sent in the mail with the letter. Also, when the mail was received there was a symbol on the letter which is also a violation pursuant to 15 USC 1692f ( 8 ) using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. Also, I have never gave Resurgent Capital Services permission to contact me. Pursuant to 15 USC 1692c ( a ) without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. Furthermore, there were many unauthorized phone calls, text messages, and emails sent to my telephone regarding this matter that I did not consent to. Pursuant to 15 USC 1692d ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violations for {$9000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$9000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$9000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX Best regards, XXXX XXXX XXXX : CFPB via fax ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: Nelnet, Inc.
State: IA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Resolution of the following issue is still outstanding. 

Using the Income Based Repayment ( IBR ) plan, payee contacted the loan service provider questioning the degree of increase in monthly payments from XX/XX/XXXX-XX/XX/XXXX year to the XX/XX/XXXX-XX/XX/XXXX year. After repeated attempts to verify calculation with written documentation, the loan service provider could not confirm the calculation amount was correct. The service provider failed to return phone calls as promised, disconnected phone calls with the payee, communicated to the payee that she should " just pay the amount '' without questioning why it increased so extensively, failed to put the payee in contact with any senior management who could assist in resolving the issue, and refuses to provide written confirmation demonstrating how the IBR calculation accounts for a spouse 's loan amount as a variable in the IBR baseline methodology. The service provider in several instances affirmed that the payee 's calculation " looked too high '' and a supervisor confirmed that an analyst was working to reconcile the discrepancy, but the issue still remains outstanding. The payee contacted the service provider 14 days before payment was due, communicated to the service provider that she would not pay the amount until the calculation was confirmed as correct, asked for administrative forbearance until the issue is resolved, and is still receiving past due notices and advisement that interest will be capitalized because of failure to pay. The payee is willing and able to pay an amount that is correct, and should not be subject to scare tactics to incentivize payment of an amount that is inaccurate. The payee and spouse have been in almost daily phone contact with the service provider over the past 22 days and nothing is resolved. Payee and spouse have encountered incredibly poor customer service including representation of wrong information, unreturned phone calls, lack of written communication and clarification, incompetence in understanding what is required for IBR recertification and calculation methodologies, and just rude phone discussions with customer service representatives, account managers, and supervisors. Payee is effectively being penalized for the service providers incompetence and failure to appropriately conduct business with payee customers.

Company response to consumer: Closed with explanation