BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
ONE THING THAT I NOTICE THAT THE BANKRUPTCY COURTS DO NOT REPORT TO ANY CREDIT BUREAUS AND THE STATUE DIDNT NOT HAVE THE CITY AND STATE SPELL OUT THE CORRECT WAY. IT SHOULD SAY U.S. BANKRUPTCY COURT OF XXXX IN. THAT'S WHAT SUPPOSE TO BE IN ALL 3 BUREAUS SHOWING THE SAME

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 2019-08-19
Company: Navient Solutions, LLC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Repeated calls three to 4 times a day, Harassing family members and threatening them fro personal information, as well as calling an office I am contracted with not employed and falsifying why they need to speak with me even after I have told this company to stop calling there and stop calling family members. It is against my company policy to get these calls. 

Credit company is called pioneer credit also goes by ph # 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 2018-01-30
Company: Paypal Holdings, Inc
State: IN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Ive had a PayPal account for years without a bank account attached. Recently I attached a bank account as a means to expedite withdrawing money from my PayPal balance. PayPal inappropriately and without authorization or knowledge debited my account for a refund i had processed. I was instructed by PayPal to link a back account to fund my account for the refund, which I did, {$400.00}. In addition PayPal debited my account for {$380.00} for the refund. So {$780.00} was debited from my bank account for a {$380.00} refund. Now- PayPal refuses to allow me to unlink my bank account from my PayPal account. They cant be trusted to apply legitimate accounting principles or be trusted. Ive requested NUMEROUS times fo them to unlink my account, the only response i get is auto generated not specific to my request and complaint. PayPal accounting practices and principles should be investigated. In the short term I would like for the FTC to order them to unlink my bank account. Ive offered to link a credit card in place of the bank account, to date, no response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-26
Company: JPMORGAN CHASE & CO.
State: DE
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a Chase savings account on XX/XX/20 and deposited a {$2500.00} and {$5000.00} check. Due to undisclosed reason, Chase shut my account down on XX/XX/20 and send a {$2500.00} refund check not the {$5000.00}. It has been more than 30 days and I have contacted Chase several times but no one could give me a straight answer as to when they will release the remaining {$5000.00}. Typical response is per their terms and conditions at account opening, Chase has the right to close the account and hold on to money indefinitely for a variety of reason. Chase is abusing their power as a financial institution and arbitrarily hold on to my money long after the check cleared with no issues. Questions are always answered with reference to their lengthy terms and conditions buried in the service agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Please know after successfully completing a 60 month, 5 year pay plan for my XXXX XXXX XXXX. My case was officially recorded and discharged on XX/XX/2017. 

XXXX XXXX XXXX / XXXX XXXX was a creditor in my case as was paid a claim of {$11000.00} as part of the bankruptcy settlement. This information was confirmed by the courts stamped and recorded proof of claim ( POC ), and the courts Interim Final Report ( IFR ). 

I can not get XXXX  XXXX to do a proper and accurate accounting of the {$11000.00} paid to them per the BK court documents. 

They say the have not been paid. However, the court documents say they have been paid as proof in the Trustees Final Report. 

Thank you.

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 2017-12-26
Company: JPMORGAN CHASE & CO.
State: TX
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:
XXXX XXXX XXXX {$140.00} {$200.00} 71 % Revolving Negative XXXX XXXX, XXXX CHASE AUTO XXXX {$12000.00} - - Installment Negative XXXX XXXX, XXXX CHASE CARD XXXX {$940.00} {$700.00} 135 % Revolving Negative XXXX XXXX, XXXX CHASE CARD XXXX {$940.00} {$700.00} 134 % Revolving Negative XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$400.00} 0 % Revolving Negative XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2022-12-13
Company: Spring Oaks Capital, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not acknowledge any liability for this debt in any form. However the company is reporting to the 3 credit bureaus & I requested to pay to delete. This company emailed me back stating they do not have this debt. Im asking to have this account deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance to the fair credit reporting act XXXX XXXX Account Number : XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late and for and purpose.

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 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I noticed lots of accounts on my report I do not recognize

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 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
The XXXX of XXXX is reporting an erroneous debt on my credit file. They are reporting a XXXX XXXX account with a balance for a debt that has already been paid! I have disputed this but this item will not come off of my credit. I am asking the bureaus to review the attachment and see that this debt has been satisfied so they can remove this from my credit file.

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 2019-08-19
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have gotten the response to the last complaint and have determined it does not resolve my complaint. LVNV is continuing to respond to previous disputes with a print out of a bill which they could have purchased from anywhere. There has been so many company data breaches around the world.  As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification I received a letter from the president of XXXX XXXX XXXX and they informed me that I am no longer liable for this account and that it will be cleared from my credit history. Therefore I no longer owe LVNV for this account as well since this credit card debt has been cleared from my history. Attached is the document sent from president of XXXX XXXX XXXX I am again formally requesting a copy of any documents, bearing my original and complete signature, showing that I have a legally binding contractual agreement obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The collection item you are showing is inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining  a careful record of my communications with you for the purpose of filing a lawsuit should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, and the corresponding local state laws. I further remind you that you may be liable for your willful non-compliance.Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my original complete signature may result in a small claims action against your company. I will be seeking a minimum of $1,000 in damages per violation for. -Defamation-Negligent Enablement of Identity Fraud-Violation of the Fair Debt Collection Practices Act (including but not limited to section 807-8-Violation of the Fair Credit Reporting Act (including but not limited to section 623-b) You will be required to appear in a court venue local to me, in order to formally defend yourself. Attached is a letter from the office of the President of XXXX XXXX XXXX showing that they deleted the history of the trade line with them. Which means I no longer owe this debt that you are inaccurately reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: NJ
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:
The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit ( 2 ) Insurance ( 3 ) an application for employment, or ( 4 ) a court order.

The Following inquiries are unrelated to one of the allowable purposes, as 1 has reiterated from the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 # XXXX is reporting a collection that I do not owe. This account is settled and should not be reporting a charge off onto my credit. This is in violation and it needs to be removed.

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 2018-03-09
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern, I lost my husband recently. My husband bought this home for me and now i am losing it in foreclosure. I am a widow and i am XXXX and the bank is taking advantage of me. I am trying to do a short sale on my home so I can move on from this nightmare. The problem is the short sale packet the lender emailed was not readable. I requested for the short sale packet to be resend but the lender is giving me the runaround. I have been on the phone with them numerous times and usually placed on very very long holds. All I want them to do is resend me a short sale packet so I can sell my house before the sale date which is on XX/XX/XXXX. Please help me because they are not emailing me another short sale packet which could result in my house going into foreclosure on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Kriya Capital, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls frequently throughout the day from different numbers every time. Never misses a day without calling me, even on the weekends. I have told them to stop contacting me and they dont listen. They arent even a company that I owe any debts to. I dont know what they want from me but it seems like a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnis a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of informatio other than records of convictions of crimes which antedates the report by more than seven year 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to an consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
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: Was not notified of investigation status or results

Complaint:
Wasn't notified of investigation results. Company is harassing. 

The federal Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692

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 2019-08-22
Company: Synovus Bank
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I XXXX XXXX filing this complaint on this First progress credit card company due to me having a paper less statement and was not able to go on line and see statement had to call First progress to asked why was this account not paid in full due to there was a low balance and request account information and was never told that all 8 payments that I paid by ACH was not going to principle they were going to late payment of {$40.00} ever month .I need First Progress Credit Co to credit my account of all Late payments fee. a letter attach was sent to company on two occasion. the say the did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I can not acquire another bank account due to XXXX XXXX  sending me to collections. A transaction occurred through a third party payment solution company called XXXX. This transaction put my account in a negative standing of about $ XXXX in XX/XX/2020. I was completely unaware about this until I received a letter in the mail in XXXX stating that if I dont pay I will be sent to collections so I immediately took action and payed the negative balance along with a late payment totaling about {$400.00}. Once, I paid in full I decided to close the account at that time. I then found out in XXXX of 2020 that XXXX XXXX  had put me in Chexsystems. This has hindered me from getting a checking account and to further my credit. I paid the amount owed and the late fee the same day I received a letter warning me. I need this to be removed. Ive contacted XXXX XXXX  and they said it shouldve never got sent to 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 2023-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My account was hacked and they stole my money So the same person that stole my money they deposit some check on my account that were not under my name so the bank cashed the check so i notice all this transactions on my account and i call the bank like 4 times telling them that my account was stolen and that it wasn't that me that was doing the transactions so they told me that dont worry that my money was save so now they close my account and told me that i dont have money there i dont know what happen with my money they dont want to give me my money back when my whole account was stolen and they knew about it and didnt do nothing now they close the account and send my money to i dont even know who

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-26
Company: AES/PHEAA
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been trying to get into contact with the National Collegiate Trust, or NCT, in regards to coming to a settlement on my loan. They do no have any contact information available. The company that they use to service the loan, American Education Services, ( AES ) has refused to give me contact information for NCT. I have called and spoken to several supervisors, who have given me false contact information for some other bank - XXXX XXXX XXXX  - who have no idea why AES is giving out their number.

In short, I can't reach anyone to get any information or negotiate a settlement for my loan.

Furthermore, CFPB issued a lawsuit against NCT in 2017. 
https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-national-collegiate-student-loan-trusts-transworld-systems-illegal-student-loan-debt-collection-lawsuits/ I have since been made aware that NCT has been the subject of multiple lawsuits, and that my loan may be eligible for discharge.

I would like for NCT to provide me with irrefutable proof of ownership of my loan. If they can not provide this proof, I am requesting dismissal of the loan, and repayment of any and all payments made by myself to them on a loan they have no legal ownership of. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX AES account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Over 2 months ago I demanded validation of the debt that PROFESSIONAL BUREAU OF  Collections is attempting to collect. You have failed to respond to any of my requests for additional information to determine if this account is legitimate. As a previous victim of identity theft I am concerned about the origin of the account. Despite failing to provide the information to validate the debt you are still reporting the negative account information on my credit report. By failing to provide the information requested to validate the debt AND still reporting the information to the credit bureaus, you are in direct violation of the FCRA and the FDCPA.

Company response to consumer: Closed with explanation