BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-12
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX a letter was sent to : EASTERN ACCOUNT SYSTEM, XXXX. 
XXXX XXXX XXXX XXXX, CT XXXX ( XXXX ) XXXX Regarding account number XXXX ( tracking number XXXX ). I spoke with a XXXX XXXX today XX/XX/23 who confirmed that the are also known as Eastern Account System of Connecticut Inc and they indeed received the letter but updated my status as a dispute. The company has failed to show proof that I've signed an original contract which constituted this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
While checking my credit report I notice credit inquiries that I did not authorize. This is a violation of the fair credit reporting act secton 1681b. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-19
Company: Affirm Holdings, Inc
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Affirm its a company that I am complaining about I had gotten a loan for XXXX For an airplane ticket for myself to XXXX  after we purchase a ticket got on the plane we got an email and the price was completely opposite from what I agreed to an increase to {$4500.00}. I called made a complaint to the company and they said that they were very sorry that they would correct the situation. I have went through four investigations in which the company said that there was a glitch and that they would fix it and each and every time they have not and I go back to square with no resolution.The Company continued to apologize and said that it wasnt their fault that I needed to call the airlines call the airlines and then redirected me back to Affirm and told me it was their fault that they had no control over the situation. I have been fighting this amount since the company has done nothing to fix the situation and said that its not their problem and theyre still trying to charge me this debt. Additionally I did not agree to the {$4500.00} for a ticket. Another problem is that there was a purchase that I had made through this company prior to the tickets of {$1000.00} for a XXXX machine I canceled this order and was able to confirm that the company XXXX refunded my money back to Affirm but a firm is refusing to give me a a refund stating that its under investigation since XX/XX/2021. Im very frustrated Im in college and I can not afford to just continue to have this company steal my money from me and change cost etc. I am so frustrated and Im hoping that you could please help me because Im at my wits end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My mortgage was in a forbearance status. XXXXXXXX XXXX XXXX reported to Experian that my mortgage payment was 30-days past due resulting in a negative impact to my credit score/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 2022-05-19
Company: PNC Bank N.A.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I want to complain about this bank " PNC BANK , NATIONAL ASSOCIATION. '' I will attached letters that I received from this bank. I have an account with this bank. 
I open a checking account with this bank. Before they were called BBVA COMPASS BANK. 
I closed my checking account with this bank early this year XXXX 
When I closed my account I went to the employee were they do everyday transaction not to those employees where they work at cubicles. 
When I closed my account I was given my remaining money. I forgot how much but it was a cash. After I closed it I gave my unopened letter with my new ATM debit card inside to the teller that closed my account. 
After a couple of months I received a check from the bank in the amount of {$48.00} upon receiving this check I called the bank to asks what is this check for I was told it's my money and I can deposit it to my bank. 
After couple of months when I did deposit the {$48.00} check I received a letter from the bank that I owe the bank money and in this letter its already outstanding and due. After receiving this letter I called the bank and asked how come I owe the bank a money I was told that I have a balance on my line of credit I told them I do not have a line of credit and I asked the person on the phone what is the transaction and when the transaction happens. The person I'm speaking to can not explain to me the transaction they were asking me to pay after this I asked them about my account when I closed my account and how much money they returned to me they said they don't know. 

The documents that I attached here are the check that they issued to me XXXX letters and XXXX letters of line of credit account statements these statements have XXXX pages in it. 
This bank is located at XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I owe {$7900.00} to Capital One. During the year, I made some changes to enable me to pay them. I contacted my credit Union for a home-equity loan. The Credit Union told me that I should first become current on my mortgage. Capital One company contacted an attorney who filed a lawsuit. The, attorney, XXXX, XXXX, XXXX XXXX XXXX, XXXX, operating out of XXXX, MD is a debt collector. Just prior to filing the suit, I contacted Capital One and offered he following settlement terms : 1. {$1500.00} to be paid every late XXXX or early XXXX. This would largely come from my tax return 2. Additionally, If during any calendar year, I am able to secure a home-equity loan, I would pay off the full amount. 
3. The debt collector should dismiss the lawsuit, because that would be counter-productive : it would discourage any lending. Additionally, the terms I propose would be more generous than any result of a lawsuit. 

I also contacted a Capital One Vice President by the name of XXXX XXXX, and reiterated the plan. I believe this Vice President forwarded this letter to the law firm. I also sent a copy to the law firm. 

I did not receive any response. I called the law firm. I spoke to a lady. Among the first words she uttered were outright untruth : that a lawsuit, once filed, can not be discontinued. Next, she mischaracterized my plans as " vague, '' even though they contained an amount certain, a period certain, and a certain start date. 

I asked to be transferred to the attorney. The lady would not so so, but transferred me to their " supervisor, '' one XXXX XXXX. Mr. XXXX implied that he wants a judgment so he could hold such judgment " over [ my ] head, '' and could not explain why the plan I proposed is inferior to any results to be obtained from such judgment. 

As I had done before, I wrote to the same Capital One Vice President and told him I was going to file this complaint. 

The lady 's statement is false. You can always dismiss a law suit. My plan is not " vague. '' Mr. XXXX 's admission that they were using the lawsuit to hold over my head is improper. Legal actions are used only to resolve legal disputes, not as threats. I also reminded Mr. XXXX that other pronouncements by him were mildly threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Experian Information Solutions 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:
EXperian statement of facts { 1 } I am not a credit repair company I am the furnisheralleged legal owner, consumer { 2 } statement of fact XXXX / XXXX   XXXX does not own this account you are falsely reporting on my credit report. In fact under the law I own the alleged account showing paid in full REMOVE THIS ALLEGED ACCOUNT I LEGALLY OWN. XXXX stated to the CFPB that they do not own this alleged account XXXX  does not own this alleged account I do Do your home work if XXXX got paid by another company they would own the account but If it shows paid I legally own the alleged account eather way XXXX XXXX my alleged debt is paid and I own the rights to the alleged account, ASk your lawyer enclosed are your statements, and XXXX statement to the CFPB, also as the alleged owner of the debt remove it at once. your credit manipulation on consumers need to be challenged. 
XXXX first furnisher { 2 } { sale to XXXX } new furnisher { 3 } contract alleged sold back to me for payment THAT MAKES IT MY ACCOUNT as OWNER There is no statues difference between the three when sold { alleged contract bought back by consumer makin myself the alleged the legal owner

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 2023-12-11
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 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 for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: EQUIFAX, INC.
State: GA
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 submitted a CFPB complaint against Equifax about an account reporting incorrectly on my consumer report, XXXX XXXX XXXX XXXX XXXX on XX/XX/2022. On XX/XX/2022, Equifax responded back stating, " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call XXXX ( XXXX ) or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. '' As of XX/XX/2022, I have not received the results of the investigation from the furnisher or anything from Equifax. Please send information to the address on file with Equifax or remove this account from my consumer report if Equifax can not provide this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery is reporting inaccurate information on my credit report. 

That is a violation of the FDCPA. They Have to report accurate information or delete the account of the consumer report. 

below is the proof of inaccurate reporting on my consumer report. 

15 usc 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Problem with personal statement of dispute

Complaint:
This is a violation to 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-09
Company: EQUIFAX, INC.
State: TN
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:
Equifax is not accurately verifying accounts or investigating disputes ... I have asked via letter for information of which they are using to verify my debt through original and 3rd party debt collectors .... I have received no original letters of authorization from the following listed accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX .... Moreover, XXXX account is listed multiple times with status or paid closed, derogatory closed, and card lost or stolen. Which indicates that after multiple disputes that the practices of this bureau are not following the rules under the FRCA ... Everything is currently under reinvestigation ... This is harming my reputation as a consumer .... I have placed a fraud alert on my credit report as well as with the FTC ... .I want all signed consent to inquiries be made available to me or asked that all inquiries that do not have authorized proof of documentation of my consent to be removed ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
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:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2022-12-31
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:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I open an account with the company call XXXX  and I follow all the instructions from entering all the information required, even my debit card number from my personal account and the other one from my business account. I transfer the money to there platform without investing in any cryptocurrency or stock first transfer total amount of XXXX $ is on XXXX XXXX and the second transfer is on XX/XX/XXXX XXXX total amount of XXXX $ and third transfer is on XXXX XXXX total amount of XXXX $ fourth transfer is on XXXX XXXX total amount of XXXX $ that is total transfer of XXXX just for your information i didn't invest in any stock that was just transfer to XXXX  account and when I don't wan na hold the money in there account they return me only XXXX $ and XXXX $ total of XXXX $ in the end they scam me on XXXX $ after that they do unauthorized charge from my business account of XXXX $ XXXX file it as fraud true my XXXX bank my bank did there investigation and they reverse me the money to my account as fraud now XXXX send me to the collection TRANSWORLD SYSTEM INC saying that i have to pay XXXX dollar i do have all the proof and all the transaction from my personal account and from my business account. all the proof and the the reversal money that my bank clam it as fraud is in the document joint plz help me with this situation. i was planning to buy a house next year now this company scam me and ruin my credit report by sending me to the collection

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have XXXX public student loans that transferred from XXXX to XXXX in XX/XX/XXXX. The total amount of these loans is {$180000.00}. I reviewed my credit report after being rejected from refinancing private loans I hold and discovered that the XXXX loans that were paid out and transferred to XXXX were listed as open. Due to this error, my credit report incorrectly shows I have an additional {$180000.00} in debt. 

I contacted both XXXX and Experian to try to remedy the issue. First, I contacted XXXX through their online portal but was told that there was no issue with their reporting. I had not included my credit report because their online reporting function does not provide the option. To remedy this I sent, through certified mail, a copy of my credit report which showed the XXXX loans as open, the payout statement from XXXX, and a statement from XXXX stating my loans would be transferred to XXXX. This file was sent on XX/XX/XXXX and I received the confirmation of receipt by XXXX on XX/XX/XXXX. I have not received a response from XXXX on this issue as of XX/XX/XXXX. My credit report currently lists these XXXX loans as open and the report shows the last update from XXXX is XX/XX/XXXX. 

I sent Experian the same information as well. I received a response that there are no issues with the active status and as such my credit report still lists the XXXX loans as active and shows that I have an additional {$180000.00} in debt that is just my federal student loans duplicated. 

I believe that this inaccurate reporting may have impacted my ability to refinance private student loans. 

I have attached the information sent to both companies.

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 2022-12-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Account info Account name XXXX Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXX Status Closed. {$490.00} written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Credit limit {$200.00} Highest balance {$640.00} Terms NA This account was fraudulent, and this is identity theft and double posting to the account. this need to be thoroughly investigated '. Please

Company response to consumer: Closed with explanation