BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-25
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ON XX/XX/XXXXXXXX UNITED REVENUE CORP WAS SENT A CERTIFIED DISPUTE LETTER ( TRACKING # XXXX THROUGH THE USPS ), IN WHICH THEY RECEIVED ON XX/XX/XXXX. THE LETTER REQUESTED VALIDATION IN REGARDS TO AN ALLEGED MEDICAL DEBT ORIGINALLY OWED BY XXXX  XXXX XXXX  IN THE AMOUNT OF {$980.00}. UNITED REVENUE CORP HAS ILLEGALLY SUBMITTED A FALSE DEBT TO THE CREDIT REPORTING AGENCIES WITHOUT NOTFYING ME OF THE ALLEGED DEBT IN WRITING FIRST. AS OF XX/XX/XXXXXXXX  UNITED REVENUE CORP HAS FAILED TO RESPOND TO MULTIPLE DISPUTE LETTERS. THEY HAVE FAILED TO PROVIDE LEGAL PROOF, SUCH AS A CONTRACT OR PROMISSORY NOTE BEARING MY SIGNATURE THAT HOLDS ME LEGALLY RESPONSIBLE FOR THIS DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 am submitting this complaint in response to the recent investigation conducted by the Credit Bureaus. I do not agree with their findings and I am requesting for the complete accuracy. I am not satisfied that enough was done to truly contact the creditors that are reporting these information on my report and because of this I am now asking the Credit Bureaus for more information regarding these particular accounts in question. The 3 credit bureaus are required to authenticate these accounts under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Per FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$0.00} XXXX  XXXX Balance Owed : {$200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19
Company: ALLY FINANCIAL INC.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was under influence of XXXX  for health issues after XXXX XXXX in XX/XX/2018 and was forced to sign on a car loan by my live in partner who bought a car on his own paycheck and put on refinance with my credit.

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 2019-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 submitted a dispute on a collection account that does not belong to me to TransUnion on XX/XX/2019. The account was on a late {$110.00} utility bill from XXXX, and I have never opened any account with XXXX. In fact, this is not the first time that this {$110.00} XXXX bill has been put on for collection for me. In XX/XX/2019, it first appeared and I have successfully disputed this collection account from my report. It XX/XX/2019, I noticed that it has reappeared, so naturally I disputed again. On XX/XX/2019, I receive TransUnion 's decision regarding my dispute, and they " verified that this item belongs to you ''. Just for context, I have submitted the same dispute to all three credit reporting agencies on the same day and one of them has already verified that the account doesn't belong to me and has remove the account from my credit 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 2017-03-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
There is old outdated credit on my file when I dispute the information Equifax just updates information does n't accurately dispute the information I do n't believe it even does to the creditor who is reporting. Since I joined the credit monitoring program my score has gone down significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: MD
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 disputed this account due to inaccurate reporting multiple times with XXXX and Experian. It comes back " Verified as Accurate by Creditor '' every time. The information is inconsistently reporting between XXXX and Experian. How is that possible that it comes verified as accurate each time? The high credit is inconsistent. The credit limit is inconsistent. The date of last payment is inconsistent. This account also is " Open '' yet reporting as a collection/charge-off. How is that possible? The Credit Bureaus are not in compliance with the FCRA.

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 2018-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The two accounts below are reporting on my XXXX and XXXX reports. Both accounts are over 10 years old and should be deleted. by law accounts over 10 years old are to be delete from credit report.

Account NameCAPITAL ONE Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$2500.00} written off. {$1000.00} past due as of XX/XX/XXXX.

Status Updated XX/XX/XXXXAccount NameCAPITAL ONE AUTO FINANCE Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$2500.00} written off. {$3000.00} past due as ofXX/XX/XXXX.

Status UpdatedXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: MD
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:
There are 2 late payments being reported to a closed XXXX XXXX Account on my credit. The late payments are XXXX and XX/XX/2020. I have never been late. I disputed multiple times with the 3 Credit Bureaus over the last 2 years and they have not updated my credit report. They keep saying " Information Verified ''. I ask for the source of verification and they never provide it. Furthermore, I spoke with the creditor, XXXX XXXX XXXX XXXX. They have no recollection of late payments under that closed account.

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 2018-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2018 an unknown person went to several banking institutions in XXXX, NC ( XXXX XXXX # XXXX, XXXX XXXX # XXXX ) and made cash withdrawals through Bank of America tellers. The offender had a copy of my debit card as well as my PIN number. Through a series of transactions they took {$3000.00} from my savings and {$3100.00} from my checkings and checked the account balances on an ATM at a fee of {$2.00} for a total of {$6100.00}. Bank of America provided me with a temporary credit for this amount and I submitted a claim. Bank of America then denied my claim on the grounds that the offender had my PIN number, which is protected information. I have never given my PIN number to anyone and there are a variety of ways that the offender could have illegally obtained it other than my telling them. I re-submitted the claim to be reviewed by a second financial analyst at Bank of America. Meanwhile I left Bank of America and withdrew all of my money. As a result, when Bank of America took back the temporary credit my accounts went negative. The second review of my claim was supposed to be completed by late XXXX but Bank of America has not yet responded to me with a conclusion. In the meantime they have closed my remaining accounts,  informed me I am no longer welcome to open accounts with Bank of America, and have attempted to collect the debt from me. They have indicated that if I do not pay the debt soon, it will negatively impact my credit for 7 years. I have disputed their attempt to collect debt and have submitted police reports with XXXX ( where I was living at the time of the fraud ) and 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 monetary relief
Consumer complaint received 2017-08-23
Company: Worldwide Processing Group, LLC
State: IN
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 contacted by this company, but they left no message. I then received a text from my brother who is a police officer and he stated that the company called him, looking for me. The company told him they were using " tracing efforts '' to find me. I lloked into the information and the number and I discovered many similair situations with other people having the same company call them. They apparently also go by the name XXXX XXXX. 

I am upset that they are calling relatives and also that they are not using legit information. I would like to never here from them unless its in email or mail form. No more contact to relatives, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: MD
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:
There are 2 late payments being reported to a closed XXXX XXXX Account on my credit. The late payments are XXXX and XX/XX/2020. I have never been late. I disputed multiple times with the 3 Credit Bureaus over the last 2 years and they have not updated my credit report. They keep saying " Information Verified ''. I ask for the source of verification and they never provide it. Furthermore, I spoke with the creditor, XXXX XXXX XXXX XXXX. They have no recollection of late payments under that closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Paypal refuses ton pay me the money that was paid to me for sellig on XXXX In XXXX of XXXX I sold an item on XXXX as I have done many times before and was properly paid for it trough Paypal. I shipped and the item was received by the customer and all good there. Now Paypal is refusing to release the money to me because my account is not in good standing with them due to identity verification issue. Paypal insists that I upload photo copies of my social security card via the internet which I refuse to do. I have offered to send any documentation they need via US Mail like all legitimate businesses in USA do but they refuse they even refused to provide me with an address that I can send correspondence to. In the past few years I have opened a few bank/credit card/loan accounts over the internet and nobody has asked that I upload photo copies of documents over the internet. All that said if my account was not in good standing why did they accept the payment on my behalf in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt or credit management
Sub-product: Debt settlement
Issue: Unauthorized withdrawals or charges

Complaint:
ACCORDING TO THE FAIR CREDIT REPORTING ACT, THIS CREDITORS HAVE VIOLATED MY RIGHT.UNDER 15 U.S.C. I681, SECTION 602 STATES, I HAVE THE RIGHT TO PRIVACY.15 U.S.C.1681, SECTION 604A, SECTION 2, IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.UNDER 15 U.S.C. 1666B, A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I had sent XXXX to the wallet in PayPal. After receiving it and selling I planned on using it the following day to get into an apartment. 
Shortly after sold my PayPal account had several unauthorized charges on my account. 
I spoke to several supervisors about it and was told by one that PayPal should not have let the transfers go through that my account had an alert for Unusual Activity but for some reason had allowed these transactions to go through. Then he stated that I would be getting a refund that he would go on ahead and put a note to refund them and he couldn't find a reason not to. 
PayPal also stated that because the transactions are similar to previous ones they they were authorized. 
I never have sent that amount nor purchased bitcoin in the amounts of XXXX, XXXX, XXXX actually nothing over XXXX. Then PayPal also stated that it was sent to addresses used before on my account. Problem is they fail to think those are unauthorized too. That means the person who purchased and sent this bitcoin has done his in the past. 

Not to mention i received an email from PayPal stating that they were changing the status of my dispute. The another email stating they were filling it in my favor that I will be getting a refund of {$1700.00} in my account or wherever it was purchased from. Only because they duplicate charged me. They duplicate charged me and were returning the money. Oh only if I still have the XXXX for the first transaction... Hello unauthorized transactions here!!! 
And I never received the refund 6 days after and still waiting. 
PayPal owes me quite a bit of money and not to mention the time I've spent in trying to prove them my innocence and then why are they not on my side?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: JPMORGAN CHASE & CO.
State: CO
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:
JPMCB Card services created XXXX hard inquiries on my credit report for a single application for the same credit card. The first inquiry, that was expected, was on XX/XX/2023 and that lowered my XXXX  score XXXX points. They then mailed me a letter asking me to confirm the application was submitted by me. I contacted them on XX/XX/2023 in response to the letter and they confirmed my identity and that I was the one that submitted the application for the credit card. After that confirmation they approved the credit card acct. 

Later that evening I received an alert from XXXX that my XXXX score had dropped again by XXXX points due to a additional hard inquiry. That inquiry was also from JPMCB Card Services on XX/XX/2023 in relation to the same application from XX/XX/2023. 

I contacted XXXX and they refused to dispute the duplicate hard inquiry. They directed me to JPMCB to request removal. I contacted JPMCB and eventually was connected to their credit reporting department. They refused to remove XXXX of the hard inquiries saying that they can run the credit multiple times and that the issue with XXXX score decreasing was with the credit bureau. 

My concern is that if the same bank ran my credit twice within XXXX  days for the same credit card application, it should not be considered as XXXX separate hard inquiries with regards to credit scoring as this was part of a single approval process. This is not the case when mortgage companies do this, it should be this same for all creditors. 

Additionally, this should be allowed to be disputed with the credit bureaus and the financial institution that requested the information. Both declined my request to dispute. I should not be negatively affected on my credit report XXXX  for their investigation into the validity of my my identity and application. 

My XXXX  score was lowered XXXX points total as a result of XXXX credit card application that I was approved for and that is unfair to the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
Received alert from Experian that XXXX XXXX XXXXXXXX had pulled my credit report and it reflected as a Hard Inquiry. 

The inquiry was done on XX/XX/2023 XXXX XXXX XXXX  was contacted and could not provide any further details, A fraud alert was placed on my account. I have no loans or credit through XXXX XXXX XXXXXXXX. Nor di I recently request or apply for a loan or credit through XXXX XXXX XXXX 

Experian was contacted and also placed a fraud alert on my account.

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 2021-02-18
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX  XXXX XXXX  XXXX  Inquired on XX/XX/2019, DISCOVER FINANCIAL SER  Inquired on XX/XX/2019. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial XXXX. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2021-12-09
Company: BANKERS HEALTHCARE GROUP LLC
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was approved for a credit card. Received letter and email of credit limit. I was opening it up for my business but they said they needed to check my personal credit. I then receive the card and try to activate it. 

Calls the company several times to find out that they closed it because the person that approved me. Called the company for about a month straight to get answers. Kept getting sent to different departments. I asked for corporate never was. I told them all I want is for them to remove the inquiry on my personal report. I don't want the card because now I believe this is fraud. 

They were suppose to send me a letter explaining till this day. I still haven't received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Uplift, Inc
State: IL
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 received a notification from XXXX XXXX XXXX stating that I owed a debt for a service I allegedly used from a company name UPLIFT. I requested the details of what this alleged debt was for and they refused to provide any information. I never received any notifications by mail or phone from UPLIFT notifying me of a debt. I reported this as fraud to both the collection agency and the original debtor. NEITHER companies would provide me with any information regarding the supposed debt. I verified my identity to both XXXX XXXX XXXX and UPLIFT and was read back an email address that it not associated with me or anyone I know. I again reported this as fraud and have yet to receive any notifications. I disputed this with the XXXX and XXXX and the result of the dispute was a removal of the debt from my credit report by XXXX. 

https : //www.uplift.comXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation