BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-09
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Problem with personal statement of dispute

Complaint:
i have appealed my credit report to the credit report agencies for numbers of despute. Bi law credit collectors must notify me bi either phone or bi telephone and assumption of notification does not validate contact. yet after providing portfolio recovery with a court document stating that at the time of purchase the letter they mailed to the po box one of the addresses in my credit report i no longer had access to the box as i was in XXXX XXXX on XX/XX/XXXX XXXX as shown on the court disposition i provided. Also to further validate that communacation was not made there is a XXXX XXXX on my credit report  that showed i was in XXXX  on XXXX XXXX. XXXX  on XX/XX/XXXX sentenced on XX/XX/XXXX no communication was mad to any XXXX XXXX and that is not my responsibility it was the responsibility of the debt collector as they assume all responsibily. this one reason of violation of consumer rights they also violated consumer rights as i recquested every sigle detail on my debt as payments contract as i never have entered into debt with portfolio recovery so i am entitled bi law to review for inspection every single detail of that debt includint and not limit to binding contract and payment history and amount the only thing fowarded bi portfolio recovery was a piece of paper with my name a few dates and a letter stateing they purchased the debt in a time i was XXXX  and the address is not where i lived. these three violation of consumer law must be addressed between them and the credit borreaus as they are illegally reporting on my credit when they have no legal claim and are causing me hardship

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX Balance : {$11000.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$290.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/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 2020-06-04
Company: CL Holdings LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I was notified by a relative that they were contacted by Jefferson Capital. When they answered, it was a robocall and said " This is a debt collector and looking for XXXX XXXX " Also, I have been receiving calls from them impersonating a different elderly relative. I believe they are scamming and phishing. On the callerid it shows a relative name and when you call back. It is a robocall that says, " This is a debt collector. '' They have been calling daily and repeatedly. 

I have the right to be treated by a collection agency with dignity and respect. The collection agency has engaged in the following practices, which violate the federal Fair Debt Collection Practices Act : Repeat calls as harassment Illegally Inform a Third Party About Your Alleged Debts repeatedly calling relatives, family and friends Collectors are not allowed to inform anyone about your debts Within five days of the collector 's initial communication, it must send you a notice include the amount of the debt, name of the creditor, and notice of your right to dispute the debts within 30 days. 

I am willing to forgo the legal remedies I may have, including a lawsuit in small claims court seeking punitive damages against you and the agency, in exchange for your written promise to permanently cease all efforts to collect this debt and remove all negative entries regarding this debt from my credit file. I expect to hear from you immediately. 

Pursuant to my rights under federal debt collection laws, please cease all collection activities you have taken or are considering taking. Also, had multiple hospitalizations in the past year, so must avoid stress. I am retired and on low income. This includes high-pressure collection activity and lawsuits. I am requesting that you cease and desist communication with me, as well as my family and friends, concerning this and all other alleged debts you claim I owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: NY
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:
After disputing unauthorized use with police reports and company information from all 3 credit reporting agencies providing proof of me being the victim of unauthorized use and fraud! 
XXXX and experian and XXXX still has history and accounts that accept to be removed and also proven to be removed completely, are still on all 3 credit reports for the 2 yrs and the present! 
I want XXXX XXXX  and XXXX XXXX, XXXX  to be removed permanently from all 3 credit reporting agencies!!

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 2023-07-05
Company: WLCC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/XXXX, I sent a Revocation of Authority to Initiate Electronic Funds Transactions to Explore Credit can confirm that they received the document ( attached to this complaint ). On XX/XX/XXXX, Explore Credit debited {$50.00} and on XX/XX/XXXX, Explore Credit debited {$190.00}. I never authorized this transaction or rescinded the Revocation of Authority to Initiate Electronic Funds Transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Re : Wayfair Credit Card opened with Comenity Bank I opened a Wayfair Credit Card account with Comenity Bank way back in XXXX. On XX/XX/XXXX, we received notification that Wayfair will now be serviced by XXXX instead of Comenity Bank. However, we can still manage our account balances with Comenity Bank. No new charges can be made unless we open a new account with XXXX. I did not do that and instead kept the old account as I was just making payments until the balance was paid off. 

I tried to make a payment yesterday on the Wayfair Comenity website. This payment is due today, XX/XX/XXXX. When I tried to log on, a message showed up stating that the account is closed and I should call customer service ( attached is the screenshot of the page ). I called the number and got a recorded message that gives me instructions to pay online, on the phone or mail it in. However none of the options work. The option for XXXX asks for the new account # which I don't have. This is not the original account number given when I opened the account. The new account number is the one established by XXXX. ( I did not open a new Wayfair account when they switched to XXXX ). I just kept paying the balance on the Comenity account. It also asks for the social security # which the system did not recognize I tried calling the new customer service number and the representative said that they only deal with the Wayfair XXXX accounts. I was on the phone with them for over 1.5 hrs and nobody could give me a phone number to call for the old Wayfair accounts. 
This company charges {$29.00} for any payment made after XXXX on the due date. I am afraid that I will continue to be charged the late fee or worse, reported to the Credit Burea if I don't continue to make payments on the balance. How will I be able to do that when I don't even know where and how to pay? Please advise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-07
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a call requesting payment for XXXX XXXX. I asked for verification of debt, was directed to a website that only had my name, the debt amount, and creditor info. No explanation of charges, no proof of validity. XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: TX
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:
Under the Fair Credit Reporting Act these accounts below and information has violated my Federally Protected Consumer Rights to privacy and confidentiality under 15 U.S.C 1681 : 1. Collection- XXXX 2. Collection- XXXX 3. Collection- XXXX 4. XXXX XXXX 5. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX- XXXX Inquiry 1. XXXX XXXX XXXX XX/XX/XXXX 2XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XXXX XXXXXX/XX/XXXX 9. XXXX XXXX XX/XX/XXXX 10. XXXX XXXX XX/XX/XXXX 11. XXXX XXXX XXXX XXXX XX/XX/XXXX 1 5 USC 1681 section 602 A States I have the right to  privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX ( A ) ( XXXX ) section states no consumer reporting agency XXXX make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crime which antedates the report by more than 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: Santander Consumer USA Holdings 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:
I have been disputing Santander Consumer reporting to my credit for the past coupl of months as they have been reporting the account as open and reporting a missed payment. The account was closed in XX/XX/XXXX/XX/XX/XXXX and shows a comment as charged off/written off on my report. However since XX/XX/XXXX they have been reporting again a missed payment and a open account. I have disputed with XXXX   and they advised me all I could do was continue to dispute every time the report or open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was in college and XXXX  XXXX and someone tried to deposit a fake check in my account in XXXX Maryland. I contacted Bank of America and told them what happened and they still close my account. I asked him how did they close my account when they didnt do an investigation to make sure that it wasnt me. They had sent my parents the fake check that was deposited in my account and the signature on a check did not mess my signature at all so we were confused on why they closed it when thats not even my signature on that check. The check did not go through in my account but they still close my account. They kept saying I have to go to this and do this and do that I did everything you told me to do in a student help me with trying to open my account back up or do investigation. This all happened in XXXX and Im still trying to get this issue resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-30
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a notification on Saturday XXXX XXXX that my Equifax credit score dropped 70 points because of a medical collection was added to my Equifax credit report. The collection was from  XXXX XXXX XXXX for the amount of {$300.00}. The original creditor was XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX  by phone on monday XX/XX/2019 morning at XXXX XXXX  CST and spoke to XXXX XXXX. I made her aware that the collection was not valid and that debt had already been paid to XXXX XXXX XXXX XXXX. XXXX XXXX told me that indeed were in contact with the hospital and were aware the debt had been paid and that they would be sending a Deletion Letter to all the credit bureaus informing them to remove the collection off of my credit reports. This has still not been done. XXXX still has not sent the deletion letter, and they will not return my emails or phone calls. I than called Equifax and they told me there was notning they could do but wait 7 to 10 business days to remove the collection even though I had a deletion letter in hand proving it was wrong. I spoke to XXXX at Equifax, his employee number is XXXX. I told him I needed it removed immediately because it violated my FCRA rights and he again told me he could not do anything. These actions by both Equifax and XXXX XXXX  are in direct violation of my rights protected under the FCRA laws. This collection needs to be removed from all of my credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX I experienced a temporary financial hardship when a family member ( my mother ) passed away. Because there was a dependent family member living in her home, I had to maintain the home ( using money from my own funds ) to keep her home going. In addition to the death of the family member, Hurricane Harvey hit in XX/XX/XXXX which temporarily prevented me from selling my mother 's home ; the home was sold in XX/XX/XXXX. My attorney allowed estate funds to be released in XX/XX/XXXX. Maintaining two households caused a financial hardship. I communicated this to Bank of America immediately. I contacted a CSR in the XXXX, FL office and she assured me that once the loan became current ( once I got caught up on my payments ) the negative delinquent payment history would be removed. I sent documentation ( obituary, list of estate expenses, my bank statements, real estate listing agreement, copy of proceeds check ) to Customer Service routinely to keep them abreast of the situation. In XX/XX/XXXX I made a lump sum payment of {$14000.00} to become current on my mortgage loan. I have contacted Bank of America over and over again, and they refuse to correct the delinquent payment history. It has gotten to the point where I had to hire an attorney because Bank of America is giving me the run-around. Every time I send a document they write to me asking me for the same information in another format. The negative credit history, which occurred at no fault of my own, is harming me ... preventing me from obtaining a higher-paying job. It is despicable that someone in a financial institution would tell me that something could be done and then later, after the organization gets their money, they tell me it can not be done. This seems like fraud. Prior to and immediately after the hardship my payments were made in a timely manner.

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 2023-09-28
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
As of today, XX/XX/2023 Thursday, I am NOT allowed to log in to my account with Paypal at Paypal.com. I have used this service for probably 20 years. It is currently active and within the last months have charged purchases through XXXX which are charged to my credit card. 
Today, XX/XX/2023 I tried to log in to my account using my email address of long standing to examine questionable transaction charged to my bank account. HOWEVER, it now demands that I give them my cell phone number and will not log me in without it. Their web page does NOT provide an option to skip it. I am stuck. 
They do NOT have a right to have this information. I do NOT want them to have it. They have NO valid justification to require it. This is a violation of privacy.

And what if one does not have a cell phone number? Permanently locked out.

Further, the Paypal terms of service " Paypal User Agreement '' does NOT require the user to furnish their cell phone number. It says : " If you provide us your mobile phone number ... '' So they are violating their own terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: JPMORGAN CHASE & CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I JAVE A COMPLAINT AGAINST JP MORGAN CHASE FOR INACCURATE AND UNVERTIFABLE INFORMATION ON CREDIT REPORT. ACCORDING TO FAIR DEBT REPORTING ACT UNDER 15 USC 1681A2 STATING I DID NOT GIVE WRITTEN PERMISSION TO HAVE THIS ACCOUNTS FURNISHED ON MY CREDIT REPORT. AND THEY MUST BE REMOVED IMMEDIATELY, IT HAS DAMAGED MY CREDIT AND MY NAME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called XXXX XXXX numerous times to get a credit card i never applied for removed. I went into a bank branch at XXXX XXXX XXXX XXXX to replace a damaged debit card and was told that due to our commercial account being in good standing we were pre approved for a XXXX line of business credit. They had me fill out a form and came back and told me i was denied. I thought pre approved meant no credit check. The bank teller named XXXX ( who is no longer employed by XXXX XXXX ) informed me that i was approved for a XXXX credit card instead. I turned down the credit card flat and she informed me that the account was already opened. This is i believe a bait and switch. Anyway i refused the card. They apparently mailed out a card to someone and claimed that it was used by me. I do not have their card nor have i ever accepted the card. They opened it without my permission, admittedly closed it to a XXXX balance and opened a second card and issued it to god knows where and whom. I filed a complaint under the class action XXXX vs XXXX for which a settlement check was sent to me for XXXX something dollars. XXXX XXXX refuses to abide by the settlement and continues to dispute my dispute with the credit agencies that i do not owe them anything. Instead they have me listed as owing them over XXXX XXXX dollars. Please help as this has been ruining my credit for the last 5 to 7 years.

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 2023-09-30
Company: Experian Information Solutions Inc.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent ITEMS in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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