BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-11
Company: ENCORE CAPITAL GROUP INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
RE : XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX : Flagged for Collections MIDLAND CREDIT MANAGEM Account XXXX Information on this item has been updated. Please review your report for the details. 
Hide Details | View your Report | View your credit score Updated + 'icon ' Updated After BeforeClose MIDLAND CREDIT MANAGEMEN Account Name XXXX Account Number Debt Buyer Account Type Individual Responsibility XX/XX/XXXX Date Opened Collection account. {$1200.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX $ 0 Monthly Payment {$1200.00} Original Balance {$0.00} Highest Balance 1 Months Terms XX/XX/XXXX On Record Until {$1200.00} Balance Updated XX/XX/XXXX {$0.00} Recent Payment Amount PAYMENT HISTORY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Comment ; Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Reinvestigation Info This item was updated from our processing of your dispute in XX/XX/XXXX. 



XXXX XXXX and XXXX everyday don't verify information, ignore laws and debt buyers like, Midland Credit Management flag account as collections, drops my score by 2 points, uses robo callers to harass me, and threatens retaliation. XXXX  is dropping my credit score, every single day, not even 4 hours after I dispute something or add a personal statement, since Covid-19 pandemic started, causing for companies like XXXX not approve loans for my small business. Creditors, Credit Collectors, Credit Buyers, and Credit Bureaus are abusing Fair Debt Collections on a daily basis. My credit score dropped over 300 points, and continues to do so. All of the above ignored the Covid-19 Consumer Protection Act, harassing frontline healthcare workers such as myself, calling during working hours, saying that there's no way to add your times of work and they can call you any time any day even if you are a healthcare worker. The pandemic does not matter

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: Receivables Performance Management, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit 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 2019-09-05
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my Credit report and found several account unrecognized items from THE CREDIT BUREAUS office XXXX XXXX XXXX XXXX ***, XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX***. I don't remember doing any business or having having a contract for services.However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19
Company: JPMORGAN CHASE & CO.
State: TX
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:
Previously I submitted a dispute for the overcharge of the {$140.00} charge from XXXX XXXX XXXX on XX/XX/18. In this dispute, I included a copy of the XXXX/XXXX XXXX  XXXX XXXX, which states the hotel would honor the best public rate plus 20 %. Also included with this dispute was a copy the best available rate as well as the invoice not honoring the published guarantee. 
On XXXX18, well past the allowed time to investigate and settle disputes, Chase sent me a letter requesting information which had already been provided. Because no further information was provided Chase neglected to continue the investigation and pursue this chargeback in violation of 1666. Correction of billing errors

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Paypal Holdings, Inc
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My PayPal account listed under my email address XXXX received three deposits from mine and my fiancs Federal XXXX on XX/XX/XXXX which put my credit balance at {$2700.00}. I was told by PayPal that they would hold my money for 180 days to make sure the deposits were legitimate! They were supposed to email me after the 180 day hold to advise me that my money was available, but never did. I attempted to transfer the funds to another bank account since XX/XX/XXXX only to learn through a call to their customer service that they had to investigate where the funds came from! I told them it has been over eight months that they have held my money and I wanted it! They then put a freeze on my account and refuse to give me my money. The money is obviously legitimate as they have sat in my account for over eight months and no one has tried to reverse the deposit! I want my money plus interest!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ACCOUNT WAS PAID IN FULL TO ORIGINAL CREDITOR. 3RD PART COLLECTION AGENCY SOUTHWEST CREDIT SYSTEMS PLACED NEGATIVE REPORTING THAT A BALANCE IS STILL OWED WHICH APPEAR TO BE INTEREST OR PENALTY. I HAVE WRITTEN THEM & CONTACTED THEM MORE THAN TWICE WITH NO RESOLVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: EQUIFAX, INC.
State: AL
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:
You have listed an inaccurate Chapter XXXX-Bankruptcy record on my credit file, therefore I am filing this dispute of the Chapter XXXX-Bankruptcy Information that you are providing under FCRA 611 ( a ) ( 7 ) that specifically requires a description of the procedure used by your agency in providing and obtaining this particular Bankruptcy record, including if this was obtained by a third party Information Broker and sold your firm. I want to see that the public record information that you are providing is Metro-2 compliant and contains the required complete personal identifiers. I have been advised by my family attorney that your credit reporting agency is required by the National Consumer Assistance Plan provisions to ensure that each public record does not create a MIXED file circumstance which I believe has happened in this case. Here is the erroneous record you are reporting. US BANKRUPTCY COURT-XXXX. I appreciate your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid about 90 % of the " New Balance '' on my Bank of America VISA statement, dated XX/XX/XXXX. On the next statement dated XX/XX/XXXX, I paid the balance in full, before the due date, including the finance charge from the previous month. When I received the next statement dated XX/XX/XXXX, there was another finance charge, even though I had paid the previous balance in full. I called B of A customer service, XXXX, and asked for an explanation. They said the second finance charge ( on the XXXX statement ) was a " residual '' finance charge left over from the previous month, and that I have to pay the full balance TWO MONTHS IN A ROW to make the finance charge stop. I told the customer service rep that I don't think that's the correct way to assess finance charges. When I pay the balance in full, the finance charge should stop with that payment. She insisted their method was correct. 

Admittedly, the amount of this particular finance charge is small. I'm not complaining about the amount. I'm complaining because they charged it after the balance was paid in full. If they do that every time someone has a residual balance and then pays in full, I think they are charging an extra month 's interest to which they are not entitled. 

I can provide copies of the statements, if desired.

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 2018-11-22
Company: Turning Point Solutions LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX is calling not only my number, but also the numbers of relatives. This is not acceptable. They are calling from XXXX XXXX XXXX and leaving a call back number of XXXX XXXX XXXX. The message says it is regarding a debt. I have no knowledge of anything owed to this company ( I may have some other debts but I don't know about this one ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
FedLoan Servicing / PHEAA Legal Service Division has been contacting me for months AFTER I have proven that they do NOT have a contract with me. Their accounts were successfully removed from my credit file after all information was forwarded proving they are fraudulently attempting to collect a debt that they are unable to prove belongs to me. FedLoan Servicing / PHEAA Legal Service Division mails me numerous amounts of letters at a time and applied an administrative forbearance to suspend collections despite not having a valid wet ink contract with me. I have not requested an administrative forbearance with FedLoan Servicing / PHEAA Legal Service Division I requested the ORIGINAL SIGNED, WET INK INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM ( NOT COPIES ). This company has threatened me with their legal team and has not provided any valid documentation proving they are the HOLDERS IN DUE COURSE. 
FedLoan Servicing / PHEAA Legal Service Division has had several months to provide me with the ORIGINAL SIGNED, WET INK INSTRUMENT OF INDEBTEDNESS IN ITS ORIGINAL FORM ( NOT COPIES ) and each time has failed to provide anything of the sort FedLoan Servicing / Legal Service Division has NOT replied with a signed letter under penalty of perjury. 
FedLoan Servicing / PHEAA Legal Service Division has NEVER provided me with their Foreign Agent Registration under Title 22 U.S. Code 611. 
FedLoan Servicing / PHEAA Legal Service Division uses 3 different mailing address and ignores relevant mail from me. They have ignored my validation requests, non-response, cease and desist, and my notice of intent to sue requests. 
FedLoan Servicing / PHEAA Legal Service Division has no reasons to contact me any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I attempted 5 times in one day to purchase flooring online at XXXX XXXX. I had over {$10000.00} in available credit. The flooring cost about {$7600.00}. Each time, Capital One denied the purchase, due to a " Fraud Alert '', despite the fact that I confirmed the purchase 4 times by text and 3 times by phone. I provided my SS number, birthdate, confirmed a code they sent me, etc. Each time they said it was cleared and then denied it again. I wasted an entire day trying to make this purchase. Each time I was denied, I had to contact XXXX XXXX also, to clear the purchase so that I could try again. I need this flooring and they do not carry it in the store. I also work and now I guess I have to get to the bank, take out cash, and go to the store to place an order. What is the point of a credit card if you can't use it. The last Capital one rep I spoke to could not provide me with any reason why I was being denied and basically didn't do anything to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-22
Company: Factor Trust
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
THIS IS URGENT!!!! FREEZE MY CONSUMER REPORTS IMMEDIATELY!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: Social Finance, Inc.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Confusing or misleading advertising

Complaint:
Beginning in mid-XX/XX/2018, I attempted to secure a student loan refinance from SoFi for approximately 58,000 dollars. I submitted all required paperwork, as did my cosigner ( my spouse who is on a XXXX XXXX through marriage ). After two weeks of hearing nothing from XXXX, I contacted them multiple times at the end of XXXX -- both on the phone and through their live chat -- to discuss what the hold up was. It was uncovered that they were having an issue contacting my future employer to verify my offer letter. On XX/XX/XXXX, I called them in person after spending a few hours of my own time to find additional contact information for my new company 's HR. I was told then that the application was complete and would finish processing in shortly. The next day, I got hit with an address verification request for documentation because we had just moved. XXXX stated that they would only accept a bank statement, but I had not received one with the new address because we had just moved a few days prior. Once I told them this, they decided that they were willing to a screenshot of my bank 's website showing the updated address. That same day, I logged in and noticed that XXXX had unilaterally updated my requested loan amount from ~58,000 to over 80,000, which I at no point requested them to do. It took two phone calls and three web-based live chats to get this problem solved. Then, this morning, XX/XX/XXXX, they requested an XXXX for my spouse, who was acting as my co-signer so that we could get a better interest rate. We have only been married for two years and have not yet been required by the USCIS to file the XXXX, as my spouse 's initial XXXX XXXX still has validity. Had SoFi told us in their application materials that we would need an XXXX, we would never have filed the application. Their omission of this during the initial stages of the application has led to considerable wasted time on my end and has dinged both of our credit reports with hard inquiries. Today, XX/XX/XXXX, I called into XXXX and spoke to a supervisor for the third time in two days about my application. They told me that if I could not furnish an XXXX they could not move forward with my application. At no point prior to this, not even in my various phone calls and web chats with them about this application did they mention this possibility or that they would need this document. Today, I talked to XXXX, one of XXXX 's supervisors. When it became clear that they were not willing to work with me on this issue, I notified her that I expected XXXX to immediately remove the hard inquiries from both mine and my co-signer 's credit reports and that I would be filing a CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AE
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:
Bank of America is reporting a collection account on my XXXX credit report that doesn't belong to me. I am not the account holder, I was an authorized user on the account. The last update was XX/XX/2019. Account balance is {$1000.00} Amount owed is {$1200.00}. Its reporting 120+ days late. I have disputed the information, and it has come off the other two CRAs.

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 2018-06-16
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on XX/XX/2018, a suspicious charge was made on my debit card to " XXXX XXXX XXXX '' for the amount of {$100.00}. apparently, XXXX XXXX XXXX is a vitamin/supplement company. a phone number for the company was included on my bank statement. I gave them a call to dispute the charges, and they mentioned that the transaction was already flagged as suspicious on their end. the only information the company was able to tell me was that the charge came from XXXX. I reside in XXXX. the company told me they would refund the amount. I reported the incident to my bank and immediately cancelled my card. i have also reported this to law enforcement and other government agencies. hopefully, my experience will help reduce, eliminate, and/or prevent this type of criminal activity from occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
XX/XX/XXXX - mailed certified letter asking them to remove XXXX XXXX XXXX from my credit report. They are showing a balance of {$520.00} that has been sold to a collection agency that is also trying to collect this debt. 

Within the allotted 30 days, I received response that it has been verified. 

XX/XX/XXXX - Mailed Certified Letter requesting Method of Verification within 15 days per FCRA 611 ( a ) ( 7 ).

XX/XX/XXXX - Received same letter again simply saying verified. I have still received no method of verification for this 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 2021-10-08
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 have contacted and disputed the Public record Chapter XXXX Bankruptcy on my credit report several times with Transunion and XXXX and they have refused to remove the fraudulent inaccurante information on my credit report. 
None of my information matches the bankruptcy. I have submittedall documents to the credit bureaus and they still refuse to move the information. I have called daily for 3 months and still they refuse to help me. Also I have no accountson my credit that are negative that the bankruptcywould be attached too.Please help me resolve this urgently. I'm applying for a SBA loan to help my XXXX survive this COVID nightmare. 

XXXX has deleted the bankruptcy XXXX has deleted the bankruptcy

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 2023-03-25
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Nothing was sent to me to legally verify the past due balance reporting for this account XXXX XXXX  Acct. No. XXXX. Because the past due balance reported by Transunion, XXXX and XXXX are different, which means the account has not been properly verified legally.

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