BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-05
Company: Experian Information Solutions Inc.
State: OH
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: Investigation took more than 30 days

Complaint:
I was reviewing the outcome from EXPERIAN about a complaint issue with   XXXX   XXXX   #  XXXX ****,  XXXX *** There are several errors on my report. I am requesting a PROOF OF CLAIM or SIGNATURE. Be advised that their claims are disputed as well as the method of validation for this previously disputed account from which nothing was provided to me in writing.   XXXX   has already deleted these issues see attachments proof of claim of the disputed debt is requested in accordance with the HIPPA Act laws. I have absolutely no documentation or nothing in writing any type of proof that I can verify any claims against my legal person. It is not now, nor has it ever been, my intention to avoid paying any obligation that is lawfully owed by the Claimant. In order to make arrangements to pay an obligation which may be lawfully owed.   XXXX   XXXX   days of receipt of this letter. This is NOT a request for verification or proof of Claimant mailing address, but a request for VALIDATION and PROOF OF CLAIM made pursuant to please produce a CONTRACT!
I respectfully request that your offices provide Claimant with competent evidence as per the attached Declaration and Proof of Claim that I have any legal obligation to pay you the unsubstantiated alleged debt. Furthermore you shall cease all verbal communication. No phone calls to the Claimant.

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 2018-09-22
Company: The CMI Group, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hi and good evening - I'm a XXXX years old woman and I been constantly on the phone with XXXX and collections company for the last several weeks. I was looking through my credit couple of weeks back with my family lawyers, and noticed that XXXX company reported an old account that i had returned the equipment back with the balance of {$170.00}. After several attempt to try to resolve this and explaining to them that I had previously paid it, and I just simply went ahead at the local office and paid them off as you can see on the attachment. I talked to the representatives there and on the phone and they said that as long i paid that balance of {$170.00} they will remove it permanently from my credit report. But it continues to appear on my credit report with the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31
Company: PINNACLE RECOVERY, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Received a Collection letter indicating I have a debt to XXXX XXXX  XXXX  of {$95.00} and {$26.00} to Pinnacle Recovery Inc for Collections Fees, I called XXXX XXXX XXXX and I was confirm I was current on my maintenance dues so I called Pinnacle Recovery to informed them that I was current with XXXX and they stared with different stories The {$95.00} was for upcoming dues so I asked why there is a collections for upcoming dues? later it was a balance from previous payments which I remaindered that I just called XXXX and I was current then they said it was all collections fees so I told them that is not what the bill said the answered was that is not relevant that is the balance and I have to paid it. I offered to paid {$26.00} which the bill shows as Collection Fees and they did not accepted they want me to paid {$100.00} to resolved the matter. 
I asked the to confirmed the recorded of the two conversations so we can heard them giving me different reason of the charges. the two call were on XX/XX/2020 around XXXX XXXX for about 30 minutes and the second call stated a little after XXXX XXXX  PST. 
I will paid the balance of {$120.00} to avoid collection issues on my records but would like the money back and have this company stop misleading people on how they do the billing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-01
Company: NAVY FEDERAL CREDIT UNION
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. This particular account is reporting inaccurate information on NAVY FEDERAL CR UNION XXXX ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I made a dispute to transunion about the inaccuracies on my credit report .during the 30 days the creditors has not notified me of The debt they are claiming I owe.the agency are in violation of 15 usc 1692g and reporting these accounts are in violation of 15usc 1681 a ( 2 ) ( b )

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 2020-09-02
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PROFESSIONAL BUREAU OF C did not send a 30 day validation notice. They have not send proper written notice. They are not available to be reached via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: Kriya Capital, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Frequent calls (2-4x or more) a day, since the beginning of XX/XX/2019 until now. Use of various of numbers using (XXXX) prefix.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-14
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have contacted the card company and was told that the item would be removed from my credit reports. Now it is back on all three reports. This item has been reporting since 2012. I would like it removed as it is : 1 - old 2- going to cause me to lose my job 3 - preventing me from providing for my family of XXXX. 

Please help me in getting this item removed- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Account Sale Info : ACCOUNT SOLD TO XXXX XXXX XXXX : DISP INVG COMP-CONSUM DISAGRS ; PURCHASED BY ANOTHER LENDER ; >PAID IN FULL/WAS A CHARGE OFF<

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: EQUIFAX, INC.
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I HAVE TO DEAL WITH THIS SITUATION AND I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I HAVE TO DEAL WITH THIS SITUATION AND I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.

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 2020-05-15
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This complaint is addressed to all three credit scoring agencies. 
I received a significant decrease in credit score from XXXX to XXXX / XXXX. 

Have an excellent payment history. Decreased by credit utilization by paying off credit cards and car loans. Credits lines would be reduced by credit card companies because I chose not to use them. This is a good thing yet we consumers are being penalized. 
Explain the substantial decease in credit score when all indicators show that I have been very responsible. I have increased my salary and paid down most debts. 

This is al happening in the midst of a global pandemic ... they can check - despite all the hardships - I have managed my credit consistently and prioritized it among more important things ( mortgage, kids schooling etc ) You ( credit agencies ) have nothing better to do than lower our scores even when there's no reason to do so. AND YES we're dealing with a pandemic next thing you know - they'll be asking for a bailout too Credit scoring agencies are luring to penalize us ... even credit card companies are extending some relief/ compassion. 

It is shameful this financial industry operates this way. I work in XXXX   XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX, and now XXXX. Can't compare that to the financial industry and their greed. You expect your medicine to be of quality yet we can't expect honesty and fairness from the finance industry? 

This credit scoring mechanism is a fraud, they tilt the scoring to lower your score regardless of how to lower your risk is. I ask the CFPB and the Congress to investigate this further. 

Consumers are unable to complain about credit scores ... only to dispute entries in the reports. Since I have no negative entries to dispute - I am not given the opportunity to complain about the score itself.

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 2019-02-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I requested my free annual credit reports from Experian, XXXX and XXXX in XXXX as usual and have not received them

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 2020-05-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2019 XXXX XXXX XXXX Mailing address : XXXX XXXX XXXX XXXX # XXXX XXXX, CO XXXX Portfolio Recovery Associates, LLC XXXX XXXX  XXXX XXXX, CA XXXX To Whom It May Concern : This letter is in response to your recent claim regarding account # XXXX, which you claim to have verified that ( I owe XXXX  XXXX {$2900.00} ). Yet again, you have failed to provide me with a copy of any viable evidence, bearing my written signature, showing the account is being reported accurately. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. 

I am again formally requesting a copy of any documents, bearing my signature showing that I have a legally binding contractual obligation to pay you the alleged amount. An employee looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. 

Details about your authority to collect this debt : whether you are licensed in my state and if so, provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 

The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 14 I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Investigation took more than 30 days

Complaint:
XXXX sent a letter in XX/XX/2020 Acct # XXXX Derogatory mark {$5500.00} I've sent a letter asking them to explain this debt to me as well as another letter and no follow up yet. 

Transunion sent letter in XXXX XXXX Acct # XXXX Derogatory mark {$550.00}, Acct # XXXX {$550.00} Transunion sent XXXX XXXX XXXX Acct # XXXX {$7900.00} I've sent a letter asking them to explain this debt to me as well as another letter and no follow up yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: Atlanticus Services Corporation
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 information incorrect

Complaint:
This account was paid as agreed, the company agreed to remove when balance was paid, the account is still on credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Early Warning Services, LLC
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I utilized my XXXX XXXX - Zelle service on my XXXX XXXX mobile app to pay an XXXX vendor {$670.00} for invitations and save-the-date cards. The merchant, XXXX XXXX XXXX, sent me an invoice outside of XXXX directly to my email and requested payment through Zelle not XXXX to process my order. The message response I received through XXXX was to directly contact XXXX from XXXX XXXX at either XXXX - XXXX or XXXX  via XXXX for a faster reply since she was not always on her computer. After various message exchanges on XXXX on options I place an order with XXXX XXXX XXXX. On XX/XX/2020 I signed the emailed invoice by clicking the " sign the document '' button, which went through XXXX and sent payment via Zelle to XXXX XXXX XXXX. XXXX XXXX XXXX indicated I would receive proofs for the cards once I sent the wording via email, which was sent on XX/XX/2020. As of today, XX/XX/2020, XXXX XXXX XXXX will not answer any texts, calls, XXXX messages or emails. XXXX XXXX XXXX has since deleted their XXXX account, on which we exchanged many messages regarding my order. Unfortunately, I did not screen shot our conversation before the profile was deleted. I have contacted XXXX and they can only do an investigation. XXXX also asked me to report the vendor on their website and but they could not help me get a refund since I did not order the items through their website. I next contacted XXXX XXXX and they indicated they could not help because Zelle is an independent operator on their mobile app and could not get my funds returned. I contacted Zelle via their website and I can only file a scam report. The report was filed and the response send stated that " information would be shared with their partner financial institutions to investigate and take further action. '' Also, the email stated that the results or actions would not be provided and to check out the link " Pay It Safe. '' The link directs you to their website that warns to only send money to family or friends and not people you don't know, like that stranger selling suspiciously cheap concert ticket on the internet. The merchant I sent money to was on a legitimate website, XXXX, as a vendor. It is my understanding that XXXX has policies and procedures in place for vendors on their website to avoid fraud and scams. I have purchased items on XXXX many times and have not had an issue. My concern is that ZELLE does not protect it's users from scams and will not help recover funds when a service or merchandise is not fulfilled. I went back to the XXXX website to visit the vendor page again and there are two 1-star reviews posted during XXXX of this year from customers indicating their orders have not been fulfilled by XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Paypal Holdings, Inc
State: VA
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:
My debit card was use unauthorized and PayPal rejected my claim but I didn't make or authorized anyone to make those transactions. 

I reported the problem within minutes from the issue because I started receiving emails ; my login was also change from a different computer to prevent me from login an report the issue and I could get in touch with PayPal because their customer service is closed. After much struggling on my own, I restored my account access by changing both, my email and PayPal password then report the issue immediately. Also continue calling PayPal until I got a hold of someone and cancelled my debit cards but all this effort was useless because PayPal closed my claims without much investigation. 

I'm sure there is some sort of record showing from what computer the password was changed and they need to investigate deeper by working with the store where the transaction were made because they must to have video showing the person that make the transactions. Also don't understand what can you buy at Giant for about {$3000.00} dollars and why PayPal didn't got suspicious of my card running multiple times at this location, since I never make transactions like that and when I do try to use my card, they reject my transactions most of the times when I don't have the funds but this time, they processed those transactions without me even having the funds to cover those transactions. 

The transactions and claims in questions are the following : Case ID : XXXX for {$500.00} Case ID : XXXX for {$500.00} Case ID : XXXX for {$200.00} Case ID : XXXX for {$50.00} Case ID : XXXX for {$650.00} Case ID : XXXX for XXXX

Company response to consumer: Closed with monetary relief