BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-24
Company: National Credit Adjusters, LLC
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:
THIS IS IN RESPONSE TO COMPLAINT XXXX AGAINST THE COMPANY NATIONAL CREDIT ADJUSTERS. I'VE TAKEN A LOOK AT THE DOCUMENTS THAT WAS SENT IN RESPONSE AND THERE ARE STILL MANY PROBLEMS. I SEE THAT NCA IS REPORTING A DIFFERENT BALANCE DUE THAN WHAT THE ORIGINAL CREDITOR CLAIM I OWE. ALSO, THEY ARE CHARGING INTEREST AND FEES ON AN ACCOUNT THAT THEY APPARENTLY BOUGHT OUT FROM A CREDITOR ... HOW IS THIS LEGAL? THIS MUST BE WHERE THE DISCREPANCY IS COMING FROM. ALSO, THE ORIGINAL LENDER ON THE PROMISSORY NOTE SAYS XXXX XXXX, BUT I WENT STRICTLY THROUGH XXXX XXXX AND THEY DID NOT CORRESPOND ANTHING ABOUT THIS COMPANY SO I CAN NOT BE TOO SURE THAT THIS IS FACTUAL. LASTLY, NATIONAL CREDIT ADJUSTERS DID NOT SEND ANYTHING BACK TO VALIDATE THAT THEY ARE LICENSED TO COLLECT DEBT IN THE STATE OF TEXAS BECUASE ACCORDING TO XXXX XXXX ACCESS THEY ARE NOT. IF YOU CAN NOT EXPLAIN WHY THE ORIGINAL CREDITOR IS REPORTING A DIFFERENT BALANCE AND PRESENT A LICENSE TO COLLECT IN THE STATE OF TEXAS THEN PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY BEFORE I AM FORCED TO TAKE LEGAL ACTION AND I WILL BE SEEKING {$1000.00} PER VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
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:
Portfolio Recovery Associates LLC under the FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g Sec. 809 { b } is disputed and validation requested. 

Account : XXXX Account : XXXX They have been contacted by certified mail on multiple occasions and they don't respond back with the information requested of them : * What the money they say I owe is for, *Explain and show me how they calculated what they said I owe, * Provide me with copies of any papers that show I agreed to pay what they say I owe : THEY CAN NOT -I DONT HAVE A LEGALLY SIGNED CONTRACT TO PAY PORTFOLIO RECOVERY ASSOCIATES A DIME!, * Provide a verification or copy of any judgment if applicable, * Identify the original creditor, *Prove the statute of limitations has not expired on this account, * show me that they are licensed to collect in the state of Michigan, * Provide me their license numbers and Registered Agent or Agent of Service. 

They don't send anything -- EVER They are reporting on my credit reports and I demand that my FCRA rights have been violated as they have no proof of legal signature that I have a contract with THEM. I don't owe them a dime.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: Experian Information Solutions Inc.
State: NC
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 is my several endeavor to tell credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX ; XXXXXXXX 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

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 2019-05-24
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Paypal XXXX XXXX should clear this up. Name on account was name of my email name paypal computer 's grabbed my email as my name On old dial up speed. In XX/XX/XXXX XXXX years no problem, until PayPal used my credit card, instead of funds available in excess of {$1000.00} to make purchase for antenna. 

XXXX XXXX fighting in this part, but PayPal has frozen my account, and the credit card in my name. Address they have On me includes my name, address, phone. 
Documents sent in could open a house, they requested. Instead of helping they use my money interest free for 6 months? 
XXXX hooked to this account with my name and email, exact address, phone. 

Never have disputed anything. 19 years using buying or selling on XXXX, that have me balance I was using just days before, until I noticed no funds and my checking account closed. 
XXXX XXXX card out on, then without my knowledge, they charged an antenna I purchased, received in good condition. Let ebay user know why bank involved. 

But over1k PayPal has suspended my account after telling at me On the phone for two hours, after 3 months of robots responding to emails. 

I am needing these funds to buy medical supplies as have XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
There is a derogatory mark on my credit due to the following issue that never should have been sent to this agency : I am writing to submit a claim against XXXX XXXX XXXX XXXX in the amount of {$790.00} for a medical bill for my daughter that was sent to them in error. I have never received any written communication from the company in regards to this debt nor have I ever received a call. The debt was taken on consignment from XXXX XXXX XXXX, a billing company for XXXX XXXX XXXX located in XXXX XXXX, New York. I contacted the company on XX/XX/XXXX of this year after pulling my credit and seeing the derogatory mark. Upon some investigation I have found out that this debt should never have been sent to the collection company and I would like to dispute it.

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 2021-03-01
Company: Sequium Asset Solutions, LLC
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 see multiple XXXX days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting calls from a comenity bank in which I never heard off or do I own any debt to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-24
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: Account status incorrect

Complaint:
XXXX is reporting negatively on my credit report. They have reached their statute of limitations in reporting and this item must come off my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: CAINE & WEINER COMPANY, INC.
State: MO
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:
Hello, This my final warning that I explicitly explained to you this account is not accurate and not complete and you have continuously keep reporting this account 15 U.S.C 1681 Section 604 A section 2 : it states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: PA
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:
There has been an ongoing Identity theft Issue with fraudulent accounts and unverified accounts still appearing on my credit report after they were reported as identity theft via a police report and FTC report. There are numerous accounts being inaccurately reported in addition to the fraudulent accounts not being removed after numerous attempts to do so. XXXX, XXXX, and Experian are violating federally protected consumer rights by reporting fraudulent and unverifiable information as accurate with no proof of the method of verification being provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I forwarded to Experian National Consumer Assistance Center. On XX/XX/2019 ( USPS Certified Mail : XXXX XXXX XXXX XXXX XXXX ). 

The furnishers are in violation of the Fair Credit Reporting Act. commercial accounts ( Information ) do not apply to the Fair Credit Reporting Act. The furnishers are reporting inaccurate, incorrect, unfair, deceitful, misleading information on my consumer report. Furnishers have damaged my ability to obtain credit, it causes me pain and suffering, mental anguish, XXXX, XXXX, XXXX, the lack of pursuit of happiness and the loss of enjoyment of life. 

I demand the following accounts listed below be removed immediately, a Consumer Report is NOT intended to be used as a commercial account ( Information ).

See Attached Documents

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Old information reappears or never goes away

Complaint:
This complaint is against Transunion, XXXX and XXXX credit reporting agencies. I'm bringing this complaint do to their inaccurate reporting, failure to conduct investigation into disputes and forcing customers to obtain for a monthly fee, their credit monitoring programs which falsely claim to increase credit scores. For the last DECADE! my credit score has been in the poor credit rating scale which is the lowest among most. I've tried several times to dispute inaccurate information only to have them deleted then placed back on my report months later lowering my score. I've hired credit service companies who letters were not being responded to by the credit reporting bureau to which I was told to file a lawsuit. XXXX has inaccurately reported accounts that are closed as being opened, and time barred debts falsely being listed as payments being made or received when no payment was ever sent. this allows time-barred debts to remain on a credit report way past the seven years law allows. I've requested supporting documentation regarding Transunion 's investigations these request have been unsuccessful. There has been problems obtaining my credit score and report do to the inaccurate information the security questions ask do not pertain to my credit history. and the customer service employees intentionally give false information when I contact them. I'm XXXX years old my credit report should reflect 34 years of credit history, instead it shows only the previous 10 years. Missing is 34 years of exceptional payment history for utilities, credit cards, mortgages, business, educational and personal loans. This includes missing personal information such as addresses, businesses owned and work history.

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 2019-05-24
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
XXXX is reporting negatively on my credit report. They have reached their statute of limitations in reporting and this item must come off my report immediately.

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 2019-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
The beginning of XX/XX/XXXX I reported to Capital1 that my card ending in XXXX had 2 fraudulent charges on it. They credited my card back the amount of fraud and canceled the card. They sent me out a new card ending in XXXX. I received and activated the card. I was notified that the vendors were reliable for said charges. About XX/XX/XXXX I received a credit report that my utilization was high on my Capital1 CC and that the balance was over {$1900.00}. I then proceeded to dispute the balance on XXXX website. It was mistakenly reported as fraud instead of incorrect balance. Capital1 canceled my CC ending in XXXX an stated that I would have to clear this up with the credit bureau before card being reinstated. On XX/XX/XXXX I started contacting XXXX   about the mistake that had been reported incorrect. They ( XXXX   ) informed me that it was a Capital1 issue not theres to correct. Over the next couple of weeks I called Capital1 n XXXX trying to resolve this issue. With both parties claiming that it was the other party responsibility of correcting this situation. On XX/XX/XXXX @ XXXX I was able to speak with a fraud specialist name Miss XXXX who agreed to participate in a 3 way call with Capital1.  We were able too speak with Capital1 supervisor Mr.XXXX  whom was informed of the 2 parties on the line and that this was on a recorded line. Miss XXXX spoke on the behalf of XXXX  and acknowledge that the CC ending in XXXX was mine and it had been reported in error as fraud.Mr  XXXX then informed us that he wouldnt be able too reinstate the card as previously mentioned by different agent. That it was being investigated by the back room! I asked what is the back room and who was the investigator? He couldnt provide with any additional information about the back room and he didnt know who was the investigator. I then stated to Mr XXXX that there was something fishy about what he told us and that I wouldnt be making another payment on Capitol1 CC XXXX until I was contacted by the investigator. I also asked Miss XXXX if she would save this recording for further use just in case this becomes a legal issue if they ( Capital1 ) start to attack my credit for nonpayment. On XX/XX/XXXX I received a letter informing me that my dispute had been closed and the accuracy of my account had been validated. I contacted Capitol on XX/XX/XXXX and spoke with account supervisor XXXX whom informed me that the account was closed and that I needed to reapply for another card! He also stated that I was still responsible for the charges on card ending in XXXX but I wouldnt be issued it back. I then stated to him that I would be in touch soon!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-08
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
This is with regards to American Express Business Credit Cards that have misleading advertising and promotion marketing policies, and have customer service that has designed to not serve customers but to charge predatory interest rates to make account go into collection so they can charge more interest and fees. As an example, my account had a balance of less than $ 4K in balance and I had requested them to look into some disputed charges and to get rid of some fees. I have written evidence of submission of dispute requests and was promised customer service would take care of it. Customer service however did nothing for 9 months, all the while charging fees and interest, bringing account balance to over $ 9K and trying to bring account to collections. 

As an example, I was charged following predatory fees and interest after I was promised promotional interest rate of 0 % which was then arbitrarily removed.

XX/XX/XXXX : {$38.00} + {$220.00} XX/XX/XXXX : {$38.00} + {$210.00} XX/XX/XXXX: {$38.00} + {$230.00} XX/XX/XXXX : {$38.00} + {$250.00} XX/XX/XXXX : {$38.00} + {$250.00} XX/XX/XXXX : {$38.00} + {$180.00} + Reversal of {$1800.00} XX/XX/XXXX : {$38.00} + {$200.00} + Reversal of {$180.00} XX/XX/XXXX : {$39.00} + {$190.00} XX/XX/XXXX : {$39.00} + {$200.00} CFPB needs to take immediate action against such practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: Freedom Mortgage Company
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Good day, Sometime during XX/XX/2019 Freedom Mortgage offered to refinance my mortgage with them from 4.0 to 3.5 %. I agreed to their terms and was told i wouldn't need to pay the month of XXXX because that would be included in the new refinance loan. There were some issues with the documents and i was not able to close out on the loan during XXXX. Once the documents were corrected i was not able to schedule the closing because i was late on my XXXX payment. I was charged a late fee and the missed payment was sent to the credit bureaus. I made the XXXX payment early in XXXX in order to schedule the closing on the new refinance. When scheduling i was told again i didn't have to make the XXXX or XXXX payment and that the first payment will be due in XXXX During closing i was told the same thing yet i received another late fee for 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 2023-01-23
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX atm fees when I used a Wells Fargo atm XXXX was notified regarding data breach had to change my debt card XXXX Overdraft fees when I had money in 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 2023-04-09
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 contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: FREEDOM FINANCIAL NETWORK
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Freedom Debt Relief contacted me and told me I had {$13000.00} worth of credit card debt that they would work with creditors and I would pay only {$6500.00} and it would be listed on my credit report as paid in full and closed by customer.As of now I paid FDR {$4500.00} and XXXX XXXX  there sister Company {$6300.00} and there are 8accounts marked negative charge off on my credit report at all 3 credit Agencies ... I need help

Company response to consumer: Closed with explanation