BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-07
Company: Spring Oaks Capital, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX says I owe XXXX from XX/XX/2022 and its not my debt at someone opened the account in my name without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call me 3 times a day for the last week 2 have asked repeatedly to but put the do not call list they have called repeatedly and I would like for them to stop immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-18
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Case description : We already discussed about my account ( It was closed because I linked more than the allowed number of Visa cards ) Then you made me wait 180 days Then I asked for my money back and it was returned to my account Here is a description of the problem : The problem is that I can't withdraw my money because my account doesn't allow me to link my bank Here is a screenshot of the error that appears when trying to link the bank PayPal_ Wallet.pdf ( XXXX KB ) ( I have tried more than one bank account, I am very sure that their status is active and there is no problem ) And here is a screenshot when I followed the link indicated in the first screenshot Resolution Center.pdf ( XXXX KB ) ( didn't helps ) Also I tried to contact support but they only reply with default reply 's that didn't helps!. 

Thanks for CFPB, PayPal team.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-14
Company: Roosen, Varchetti & Olivier, PLLC
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am reaching out concerning the attorney office by the name of Roosen, Varchetti & Olivier XXXX XXXX XXXX I agreed to pay them {$2500.00} from an old debt ( 2018 ) XXXX XXXX. I made my first payment of {$350.00} on XX/XX/XXXX. Another payment of {$350.00} on XX/XX/XXXX. I have been making payments of {$350.00} bi-weekly on XXXX and end of the month from XXXX until XX/XX/XXXX. On Friday, XXXX the XXXX I received a letter from Magistrate court stating I was scheduled for a court date on XX/XX/XXXX for this case. I was very shocked. I in turned reached out to my assigned representative at Roosen , Varchetti & Olivier XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I informed him of the letter I received he stated he would check into it and give me a call back. I am still waiting to hear back. Im not sure why I have to show up for court when I made every payment and little bit more as agreed with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: Veros Credit, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I spoke with VEROS CREDIT in regards to a repo status that was put on my credit for my XXXX XXXX on XX/XX/2019. My vehicle was never repossessed the vehicle was involved in a collusion and it was considered a total loss my insurance paid off the vehicle. I spoke with a VEROS CREDIT associate and they told me that they had fixed the repo status and that they already did their part from their end so that it was up to me to go ahead and speak with the consumer finance, so thats the reason why Im doing this report to see if theres anyway I can go ahead and get help to fix this mistake that was done by VEROS CREDIT.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: Resurgent Capital Services L.P.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I dont know whats going on but a debt appeared on my credit report from a bank that I had never done business with. I am a previous victim of identity theft and whoever stole my identity is back using my information again. Can you please help me rectify this problem because Im in the process of buying a house and this mistake is messing up my home buying process. I contacted the company but didnt any response. 

LVNV Funding LLC Date Opened : XXXX Amount : {$630.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: SC
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Bread Financial 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: Public record information inaccurate

Complaint:
On XX/XX/2023 this particular Bank along with XXXX XXXX in XXXX XXXX Pennsylvania  illegally ran my credit report without my authorization and make note that this was illegally done by a XXXX XXXX XXXX Assistant to whom acted like they were desperate for money and on XXXX. Now my credit is XXXX XXXX with this particular Banks illegal activities

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from 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 explanation
Consumer complaint received 2020-09-22
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: Investigation took more than 30 days

Complaint:
After purchasing a copy of my credit report, I was able to locate a series of negative accounts, that are preventing me from moving forward with my financing. With this in mind, I decided to contact the credit reporting agencies, to have them help investigate these events.

I understand that, the credit reporting agencies, have been granted a " relax enforcement standard '' from the CFPB to allow them to either delay, or not respond to my dispute request. However, according to section 1681i of the FCRA, the credit reporting agency, are bind by law, to respond within the highlighted time frame to avoid a possible civil case against them. This is in compliance with section 616, and 617 of the FCRA. It has been more than 45 days since, I requested these items to be properly investigated. I have yet to received anything back from 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 explanation
Consumer complaint received 2020-07-23
Company: EQUIFAX, INC.
State: NV
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 MULTIPLE FRAUD ACCOUNTS AND INQUIRIES ON EACH CREDIT BUREAU FOR ME. NOT SO MANY BUT ENOUGH FOR CONCERN, IM NOT ALLOWING THIS STUFF TO REMAIN ON MY REPORT, I WILL NOT STOP UNTIL THESE FRAUD ITEMS ARE GONE. 

IVE BEEN DISPUTING THE VALIDITY & RESPONSIBILITY TO THESE ACCOUNTS WITH THE CREDITORS AND THE CREDIT AGENCIES & NEITHER PARTY HAS SUPPLIED ME ( THE CONSUMER ) WITH ANY PROPER PROOF OF VALIDATION THAT THESE ITEMS BELONG TO ME CONSENSUALLY. 

IM A CLEAR VICTIM OF IDENTITY THEFT, IVE IDENTIFIED THE ITEMS THAT DON'T BELONG TO ME DIRECTLY WITH BOTH THE CREDITORS AND CREDIT BUREAUS, IVE DISPUTED CORRECTLY ALONG THE LINES OF THE 605B LAW IVE SENT THEM : A CLEAR PROOF OF IDENTITY OF ME, A FEDERAL TRADE COMMISSION ID THEFT REPORT, WITH STATEMENT CLARIFYING THESE ACCOUNTS AREN'T DUE TO ANY TRANSACTION MADE BY ME. 
A SHEET LISTING THE ACCOUNTS AND INQUIRIES IVE IDENTIFIED AS A RESULT OF ID THEFT. 

YET, THESE ITEMS HAVE NOT BE BEEN BLOCKED FROM MY REPORT, HECK THEY HAVEN'T EVEN BEEN PUT UNDER PROPER INVESTIGATION. SO IM HERE, FORCING THEM TO DO THIS THE RIGHT WAY UNDER CFPB 'S SURVEILLANCE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: Navient Solutions, LLC.
State: NC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2022, 39 State XXXX  's announced a settlement with Navient. Navient is required to pay out billions to borrowers. One of these XXXX 's is NC XXXX XXXX XXXX. 

I have been trying for the past year to make Navient understand that I am retired and on a limited income and no longer can afford anything for pay back. Since it has been 20 years and XXXX months since the inception of this loan, I have been requesting Loan forgiveness. Navient gives me alternatives which require payments for another XXXX years. They continued to telephone me even though I asked them to use the XXXX for communication. The FSA site says I don't have any payments to make until XXXX, 2022, but I continue to getr threatening bills from them as recent as XX/XX/2022. 
On the same day, XX/XX/2022, I received a cutesy letter from XXXX with a new account number, trying to get me to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX has added a fraud alert to my credit report without my requesting it. This is a violation of FCRA regulations. I do not understand how they feel this helps after the damage is done.

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 2023-04-15
Company: Experian Information Solutions Inc.
State: MS
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 non-monetary relief
Consumer complaint received 2021-05-20
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I entered a consumer credit transaction with the alledged original creditor and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which constitutes fraud, the alleged interest not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. A third party IC SYSYEMS are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. IC SYSTEMS has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me and not validating the debt.

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 2023-04-21
Company: Experian Information Solutions 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:
This Inquiries is not mine and it's totally Fraud, I'm not aware with those Inquiries. Please take an action with this. 
See the documents attached.

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 2019-04-15
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just received notification that this account was added to my credit report. I have not received any communication from this company. I should have received a dunning letter. According to my credit report, the account was opened in XX/XX/2019 and first reported XX/XX/2019.

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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 complaint was denied

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 2023-06-14
Company: JPMORGAN CHASE & CO.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
IRS form 1099C requires box 2 and box 3 be filled as applicable. If any interest is included in the amount of cancelled debt in box 2, it must be shown in box 3. I request 1099 C be completed and filed with IRS to reflect these amounts for box 2 and box 3. 

I have received a notification from the IRS that does not show the forms filed with IRS reflect these amounts. IRS responded that Chase submitted records electronically and can not provide me with a copy of the forms Chase filed because it was submitted electronically to the IRS. IRS wrote to contact Chase directly with the request for the form to be sent to me. Chase declines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
That account which I listed on Identity Theft is not belong to me. I have never had a business with that bank. I never opened that account and did not give any documents and did not put my signature. Please remove this account from my credit report as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-22
Company: Experian Information Solutions 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 sent a lot of dispute letters to this credit report bureau, explained that the late payment appears on my credit report on XX/XX/XXXX, is incorrect. because i had called the bank itself a head of time acknowledged them about a financial hardship for that specific month which makes me pay in two portion, 10 days later. and i was promised that they will consider the good relationship with me as their customer and will not report that to the credit bureaus as a courtesy. but i was shocked after i obtained a copy of my credit report showing that late payment. so i disputed it with the credit bureau, also with the creditor itself, XXXX XXXX XXXX XXXX. but instead of correcting that mistake they added a new late payment for the XX/XX/XXXX, while we are in XXXX i was told by XXXX XXXX through my phone calles, that they have already sent the deletion request to the credit bureau. but after 5 months waiting, calling, sending letters, i see no respectful results.

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 2023-08-08
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Called credit bureaus Requested information be removed as I did not give them permission to share my information and since my personal information has been leaked in date breach

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 2018-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 disputed the student loan account with the credit bureau for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal..CFPB please step up and remove the accounts 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 explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}

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 2023-08-05
Company: JPMORGAN CHASE & CO.
State: CA
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:
On XX/XX/XXXX, 2 fraudster con artists posing as Deacon XXXX of church and a supposed heiress of a XXXX XXXX dollar fortune named XXXX approached me and asked me to help disburse XXXX cash to help needy people according to her dying brother 's wishes in a will. XXXX wanted me to prove she could trust me by going inside the bank and withdrawing XXXX cash. So we could bless the money. So I was tricked into withdrawing the {$280.00} cash advance balance available on my Chase credit card. Deacon XXXX got mad, assaulted me by hitting my arm as I tried to reach for the money. They both stole and ran off with my momey when it was clear to them I wouldn't give them any more. 
I filed a police report with the XXXX XXXX police department for theft on XX/XX/XXXX, the same day. 
On XX/XX/XXXX, I went inside a Chase branch and had XXXX XXXX, a banker fax a copy of the letter and police report to the Chase dispute resolution department. 
On XX/XX/XXXX, I received an electronic notice from in a letter saying I am still responsible for the {$280.00} and it will remain on my bank statement, but they have notified the credit bureaus about the situation.

Company response to consumer: Closed with explanation