BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX, I pulled a copy of my credit report and noticed Portfolio recovery reporting derogatory information about me. I have never done business with this company before and have no idea who they were, so after a couple months of research on the internet I realize I have been placed on my report in error by the credit reporting agency, so I sent a dispute to the credit reporting agencies in XX/XX/XXXX and they responded letting me know that portfolio said that the account belongs to me and it was reporting accurately. 

At this point I was really confuse, frustrated and angry. I spoke to an acquaintance of mine who told me that there is a law call the fair debt collections practices act and that every third party debt collector like Portfolio Recovery needs to verify the debt once I request verification. 

So on XX/XX/XXXX I sent a letter directly to Portfolio Recovery requesting verification of the debt. 

They responded on XX/XX/XXXX with a templated response along with 2 pages of a XXXX XXXX  statement. I do not know why they sent a XXXXXXXX XXXX statement and don't know where they got such a statement from with my name and address. I do not even every remember having an account with XXXX XXXX. As of time of me filing this complaint. Portfolio is still on the 3 major credit reporting agencies. At this point all Portfolio did was further add to my confusion, frustration and anger. They are causing me a lot of stress and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: Exeter Finance Corp.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I mailed a certified letter to Exeter Finance, LLC on XX/XX/2020, certified mail receipt # XXXX XXXX XXXX XXXX XXXX and it still has not been delivered to date, last date reflecting XX/XX/2020 per the USPS tracking website. I have verified that the address listed on the credit report and where it was mailed to is correct, unless the company has provided the incorrect address information on the credit report. Regardless, I need the company to provide me supporting documentation that this debt belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Midland Credit Managment contacted via phone on XX/XX/2019 saying they were trying to collect a debt for XXXX XXXX ( XXXX ). They said the address they had on file was the street address of my former residence. My mailing address was a PO Box . 

I attempted to get an address for them to mail them a letter requesting debt validation. I finally was able to get a valid address and mailed a letter to them certified mail. The first letter I sent was signed for by XXXX XXXX on XX/XX/2019. MCM never responded to my request for debt validation. Instead they sent me a letter on XX/XX/2019 threatening referral to an attorney. I sent them another letter that was delivered to them on XX/XX/2019, again requesting debt validation. I received a letter dated XX/XX/2019 again threatening a suit, but no debt validation. I called MCM on XX/XX/2019 and was told by the representative that they had not received any letters from me, even though I do have confirmation from USPS that the letters were delivered. They said they had mailed me a letter in XX/XX/2019 XXXX to my current address, which they did not have in XX/XX/2019 ) advising that they had bought the account from XXXX XXXX. That in no way validates that they actually bought the account. 

I need validation that they have the authority to collect this debt before I make any promises for payment to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
The following items are negatively impacting my credit score & I demand they be investigated & removed immediately if no proof is given. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately because this effecting my credit worthiness in a negative manner. 

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 non-monetary relief
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I started disputing invalid information on my credit report on XX/XX/XXXX ; since that time, I have submitted a dispute again on XX/XX/XXXX, XX/XX/XXXX and again just on XX/XX/XXXX. Neither of these times so far, have ANY of the bureaus responded to my disputes to advise what steps their taking or that they're even taking any steps!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-04
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have repeatedly contacted TD Bank requesting they assist me in disputing 4 unauthorized charges made by XXXX backup service. TD Bank has ignored my calls and letters and have refused to respond to my letters. The data backup company XXXX has made enormous charges to my Cashback credit card for charges I did not make or authorize and I find fraudulent. 
Without a response to my letters and despite my continued dispute with XXXX, TD Bank closed my dispute. XXXX has no answer for me and will not compromise. 
My original purchase with XXXX was for {$19.00} for a two year subscription for XXXX backup service for my personal PC and laptop with hard drives of XXXX. 
XXXX is trying to convince me I have a server farm here at my home and I am using untold amounts of data. 
I want to continue to prosecute this dispute with both TD Bank and XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: LA
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 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 2023-05-12
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: 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 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 2019-11-04
Company: Paypal Holdings, Inc
State: KY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On Friday, XX/XX/XXXX, my sister received a refund from her school which she transferred to my bank account. The amount sent to me was in 2 transfers. One for {$1500.00} and the other for {$500.00}. I then transferred the money back to her via Venmo in 4 payments, 3 of {$500.00} and one payment of {$480.00}. We then went to XXXX and her Venmo debit card kept declining but she had more than enough money to make the purchases, so she sent the money back to me in the amount of {$430.00} and when I tried to make the purchase using my Venmo debit card the card declined for me also, so I tried to transfer the money back to my bank account and Venmo declined my transfer. So we went online to try and make the purchases and they kept declining. We think, at the time, that maybe its just XXXX processors because thats what the customer service agent told me could be a possibility because on their end there was nothing wrong with my account. So my sister went to XXXX  XXXX  website and bought a tv with her Venmo card and the purchase was successful so she tried to make another tv purchase for our new home and it then declined. She she sent me the money back for the tv in the amount of {$360.00} and we used my card to make the tv purchase with XXXX XXXX for {$180.00}. And it was successful. My sister then sent me 2 more transfers, one for {$120.00} and another for {$600.00}. Venmo has since then frozen my account for apparent violations of user agreement but when I spoke to a representative, the rep could not tell me which of these user agreement terms I violated and had no information about what was going on with my account. When I asked to speak to a higher up, she then told me that she could not transfer me to a higher up and when I asked to speak to their fraud department, she claims that the fraud department does not have any phones and is unreachable at all and that I had to wait for the email from the department which I received this morning claiming that because of these violations they have closed my Venmo permanently and that they will be holding my funds for up 180 days while they investigate the claims against me, although on Friday when I receive an email about my funds being frozen, I sent my state ID as proof of who I am. Venmo claims that they are also no longer able to assist me with this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I refinance with capital one bank XXXX of 2021. In XXXX of 2021, I began asking Form my title. It after multiple attempts at least 10..I am contacting you for assistance. Maryland is a title state so I should have my title to show ownership. I have been paying capital one every month on time and have yet to receive a title to show this vehicle belongs to me. I've asked for compensation from them and they are telling me there is nothing they can do so I have to just sit and wait patiently until they decide to give me what is rightfully mine. I've given them all of the extra documents they need and they are still contact contact me for the the XXXX address where to send the paperwork! They should have this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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  Account # XXXX, and 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't furnish an 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 non-monetary relief
Consumer complaint received 2021-04-15
Company: Experian Information Solutions Inc.
State: SC
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:
There are several inaccuracies on my report that I didn't authorize these accounts are violating my rights according to the FDCPA. 

PLEASE REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT. PLEASE SEND ME AN UPDATED COPY OF MY CREDIT REPORT. 

XXXX XXXX XXXX {$2300.00} XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$430.00} XXXX XXXX {$1100.00} XXXX XXXX XXXX {$230.00} I AM LOOKING AT MY CREDIT REPORT AND I HAVE THESE FRAUDLENT ACCOUNTS. THESE ACCOUNTS ARE CAUSING ME A LOT OF EMOTIONAL DISTRESS FOR ME AND I'M NOT ABLE TO BUUY A HOME FOR MY FAMILY. How can I PROGRESS FOR MY CHILDREN WHEN BUREAUS ARE ALLOWED TO REPORT THESE FRAUD ACCOUNTS??

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 2017-03-15
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I 'm writing this letter in regards to a formal complaint I wish to file against Nationstar Mortgage LLC. 

First, I would like to shed some background on the many problems I 've encountered due to this company 's incompetence. Our mortgage was sold by XXXX to Nationstar Mortgage on XX/XX/2016. This said mortgage is on our income property located at XXXX and XXXX. XXXX, NY. XXXX. Our first issue was the address listed on the new mortgage was wrong. A phone call corrected that, however this was the start of one headache after another.. 
Next I send my first mortgage payment by mail, along with the information ( a blank check ) to set up automatic withdrawl on the tenth of each month. Late notices aprox. 45 days later started coming. I called they said they did n't have the right information for direct withdrawl. We sent that information 2 more times, for a total of 3 times now. I am receiving late a fewb notices in the mail, which promted me to call numerous times to hear that they just crossed in the mail. That sounds legit, I guess. Next my tenants call me to tell me I have mail. It was a final notice that they were about to start forclosure proceedings. So I make another phone call to find that they never took the last two payments out of my account ... .So I made a double payment over the phone and finally the payment withdrawls are set up ... I should say I hope these payments are now set up ... 
Recently, I received a phone call from my Homeowner 's insurance agents office, stating that my homeowner 's insurance policy is about to be cancelled due to none payment.. I immediately made a monthly payment to insure my policy did n't expire.. I have an escrow account with the mortgage company and they were suppose to pay it ... My agent made a 3 way call including my self, the mortgage company and the insurance agent to figure out what went wrong ... The mortgage company then sent out a check to the insurance company for the wrong amount. More time on the phone the mortgage company sent a second check this time with the right amount. The insurance agent refunded me the wrong amount which I had to return to the mortgage company to be put back in escrow. 
Now I get a monthly statement from Nationstar Mortgage, with a {$75.00} Maintenance fee. Once again call the mortgage company to find out what this charge is. I spoke to a customer service rep she did not know what that fee was, I spoke to her supervisor, he could not tell me what that fee was but I should pay it. 
HERE ARE THE QUESTIONS I WOULD LIKE TO FIND ANSWERS TOO. 
1. ) I want to know if Nationstar has reported me to the credit bureua as a result of their neglegence? 
2. ) What is the maintenance fee of {$75.00} on my monthly bill?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-01
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Wrong addresses on file. 
I've disputed this information several times. 
I have never lived here and this address does not even exist. 
This address was made up by some one. It is fraud. 

XXXX XXXX XXXX XXXX La XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: OneMain Finance Corporation
State: FL
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 previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with you for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 

Unfortunately, I was in a financial dilemma due to job loss. As a result, my payment to you were delayed. Because your account with me is extremely important I managed to borrow the money to cover the late payments. I made sure to fulfill my obligation to ensure that your company suffered no loss. 

I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now the late marks on my credit reports are causing me tremendous stress. I am trying to move up to a better paid position at my work, but the negative remarks are hurting my efforts. 

This is where my " Goodwill Request '' comes in. I desperately need this promotion and I would be extremely appreciative if you would please complete a UDF - Universal Data Form and send it to the credit bureaus to reflect paid on time " never late ''. 

The credit bureaus have advised me that they will report anything as instructed to by you, but they need to have that instruction in writing. I will place my account on auto pay and promise to make all payments on time in the future. 

I beg that you may help me and take into consideration how good of a customer I have been and how long I have had an account with you. My family very much needs this to pay for medical care that we desperately need. I hope you can find it in your heart to help us.

Company response to consumer: Closed with explanation