BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-07
Company: ENCORE CAPITAL GROUP INC.
State: DC
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 received an email from XXXX that stated a new negative/major derogatory activity has appeared on my credit report. 
The name of the collection agency is Midland Credit Management XXXX XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Michigan. XXXX The amount that they claim I owe them is {$190.00} I called Midland and spoke to XXXX XXXX. I asked what this is about. 
He said I owe this amount from something to do with XXXX. 
I called XXXX this morning, they said my account is perfectly fine. No issues. 
Mr XXXX said they were handling the collection and that they bought the XXXX Acct that is no longer open. I spoke with XXXX this morning and they said that XXXX XXXX is somehow involved in this. That they did not see anything about XXXX. I have only had XXXX XXXX Account, and still have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/2019 This collection has is listed as a factoring account on my report. The company is Portfolio Recovery Associates which is a debt collection company and not a factoring company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is an error it does not belong to me : XXXX XXXX Opened XX/XX/2017 ( 4 mos )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 previously disputed with TransUnion, XXXX and XXXX on XX/XX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

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 2020-05-29
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
My last 4 of Social is XXXX Earlier this year, I filed a complaint against Discover Card for not closing my account when I requested to close it, CFPB took action and Discover closed my card. 

Now, I am having a much bigger issue with Discover Card. I was affected by COVID-19, Discover Card asked if I needed help with payment and I requested for the relief but they continued to send me same email over and over again. I called Discover and we went over COVID-19 relief program but, again, got several calls a day every day. On Monday XX/XX/2020, Discover called again, the rep apologized and and we went over COVID-19 payment relief program one more time and he asked me to make a small payment by the end of next week which I agreed to do so. 
Today, I received an email from credit reporting agencies that Discover has reported late payment and my score went down by 62 points. Discover 's rep falsely promised and assured me that late payments will not be reported.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-29
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
When graduated from school and joined the military, I consolidated my student loans in order to get into a payment program to be eligible for PSLFP. Now that I'm close to 11 years of service, only to found out that the payments made to Great Lakes Doesn't count. Each year I recertify my employment and was advised by the companies agents into the repayment type. I was always advised that these payments is eligible for the PSLFP, which is why I kept making them for YEARS!!!! 

I just want the payments I have made to be reflected in the total count. Why is this servicer still in business when it consistently shaft students and so many people in public service?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX - Mailed an 11-Point Affidavit titled " Conditional Acceptance of Debt Upon Proof of Debt Validation '' regarding account number XXXX via Notary Presentment/Certification of Mailing ( c/o XXXX XXXX XXXX / Minnesota Notary Public, sent Registered Mail # XXXX ) to XXXX XXXX c/o Navy Federal Credit Union at XXXX XXXX XXXX XXXX, XXXX, VA XXXX which was never responded to. Additionally, an agent/representative of Navy Federal Credit Union subsequently updated and " verified '' the information regarding the same account which is currently still being reported to all 3 major credit reporting agencies ( XXXX, XXXX, and XXXX  ) with failure to provide proof of method of verification. [ Copy and Proof of Service Attached ] Previously, on XX/XX/XXXX, XXXX XXXX d/b/a Navy Federal Credit Union was mailed an Affidavit of Notary Presentment, Notice and Demand for Complete Audit Trail (  Jurat ), as well as a Non-Negotiable Notice of Adequate Assurance of Due Performance via USPS Certified Mail Number XXXX which contained a pre-filled Affidavit that was never completed, properly endorsed, witnessed by a Notary, and returned. [ Attached ] One month later on XX/XX/XXXX, a Certification of Non-Response/Non-Performance was sent to XXXX XXXX d/b/a Navy Federal Credit Union via USPS Certified Mail Number XXXX XXXX XXXX XXXX XXXX. [ Attached ]

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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 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 2020-05-29
Company: Experian Information Solutions 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:
This complaint is against XXXX XXXX XXXX and their incorrect credit reporting/closure on my account despite on-time payments. 

On XX/XX/2020, XXXX XXXX  reported that they paid off XXXX XXXX in full of the {$1300.00}. 

On XX/XX/2020, in my XXXX XXXX XXXX  account, it says that XXXX XXXX  transfer/pay off my balance from my XXXX XXXX XXXX   with a balance of {$1300.00} - this transfer would have left my account at {$0.00} with XXXX  XXXX. 

********On XX/XX/2020 at XXXX PST, I called the XXXX  XXXX to notify that I would like my account closed. The representative said that he did not see a balance but mentioned, " if there is still a balance and you close your account, it will reflect negatively on your account. '' He assured me that he would close the account. ********* Early XX/XX/2020, I received another bill of a " remaining balance. '' On XX/XX/2020, I made another payment of {$5.00} supposedly on the interest that would have accrued on my previous balance. 

On XX/XX/2020 in the afternoon after XXXX, I called XXXX XXXX XXXX  to ensure that my account was closed and to confirm that my balance was at {$0.00}. The representative told me that my account was at {$0.00} and that my account was closed. 

On XX/XX/2020, I receive an email from XXXX XXXX XXXX   notifying me that my account was closed due to failed returned payments and that this was " closed by the Creditor. '' I also checked my XXXX XXXX XXXX  upon reading my email and see that this payment was " returned. '' Now, I am faced with paying additional fees from this {$5.00} that should not have been charged in the first place. 

I have had many issues with XXXX XXXX XXXX  with trying to make payments online, over the phone, and even while typing this complaint, I tried returning to my XXXX  XXXX Online account and it seems the company suspended my account and will not allow me access. 

In summary, please note that my account with XXXX XXXX XXXX   should have been closed since XX/XX/2020 with all on-time payments made in full.

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 2023-01-31
Company: Experian Information Solutions Inc.
State: WA
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to Experian on XX/XX/2023, but no answer was received. This account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate this account, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 

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 2017-09-18
Company: SUNTRUST BANKS, INC.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
My father, XXXX XXXX XXXX, opened a savings account online with SunTrust located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX, P : XXXX. He did not submit a signature card to complete his application at SunTrust. 

My father is now XXXX as of XX/XX/XXXX and had no will nor assigned a beneficiary for his savings account or other assets. In agreement with my family then applied and received a Letter of Administration from XXXX County Probate Court to manage his estate. 
XX/XX/XXXX I brought my certified Letter of Administration paperwork in addition to my fathers certified XXXX XXXX to the XXXX XXXX XXXX XXXX Branch and spoke with XXXX XXXX, the SunTrust Teller on XX/XX/XXXX at approximately XXXX. 
XXXX XXXX took my paperwork and advised me that since my father did not submit a signature card, she will fax my documents to the legal department for review. 
I advised her that I lived in New York and could she please communicate with the legal department to inquire if I needed to complete anything else before I left the state. She refused and said that I would have to wait to hear back from the legal department and she had no idea of when that would be. 
I then called the SunTrust Customer Service Line and advocated my position. The representative asked to speak with XXXX and resulted in no further information on turnaround time or additional documentation that may be requested. 
XX/XX/XXXX I called the SunTrust customer service line to inquire about the status of the account and I was advised to contact XXXX at the branch. 
The customer service representative called for me as a courtesy and advised me that XXXX was not in. The representative went on to say that I needed to call the local branch repeatedly and bypass the option to leave a message with the manager until I got through to the branch. 
XX/XX/XXXX On Thursday, XX/XX/XXXX, after calling repeatedly for an hour, I got through to XXXX who advised me that she hadnt heard back from the legal department. I asked her to call them and advise me and she said that she would and return my call by days end, so I gave her my cell number. XXXX still has not called me with an update.

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 2023-01-31
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:
When I investigated my credit report, I realized that some of the items were erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX  XX/XX/2021 XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: GOLDMAN SACHS BANK USA
State: FL
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:
Dear Sir or Madam, I am writing to request that you repay all the excessive charges that you have billed to my account from XX/XX/XXXX to XX/XX/XXXX I do not believe that these charges reflect the true transaction from Apple Card The charges total XXXX. Plus, as I have been unlawfully deprived of the money charged, I demand that all the interest at the statutory rate, which a court would award. 
Therefore, I request that you repay me the full amount ( XXXX plus any interest ). I have attached a full schedule of the charges and interest with this document.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: HCFS Healthcare Financial Services of TeamHealth
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A collection agency called me told me i owed this debt didn't tell me any information except that it was a hospital bill. Got scared and started paying. Learned that they were supposed to send me a letter if i asked and tell me i could dispute, which they never did. Asked the man for a letter. He yelled at me saying if i wanted more information I could ask the hospital. Continued to call frequently. I called and got a supervisor told them what happened. Now i get automated calls at XXXX XXXX every weekday. Constantly from different numbers so i can't block them. The company name is 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 2023-02-07
Company: EQUIFAX, INC.
State: SC
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 PULLED MY CREDIT REPORT AND NOTICED SEVERAL ACCOUNTS THAT ARE REPORTING TO MY EQUIFAX CREDIT REPORT AS FRAUDULENT. IT IS IN THE ATTACHMENT CFPB Write up In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

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 In accordance with the Fair Credit Reporting Act Convergent, the accounts listed on my attachments 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 an 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 for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
ON XX/XX/2020 I ordered a bike from XXXX XXXX XXXX through PayPal. After I ordered it I saw online that this company was a scam. I contacted PayPal to cancel the order and stop the payment. They denied my claim because they received what was a bogus tracking number. I told them this and that the phone number on the invoice was also bogus but so far they will not refund my money. XXXX  XXXX XXXX said they couldn't help because it went through my checking account directly. This is the info the company provided. 

XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is not my account : XXXX XXXX  # XXXX Please provide binding agreement, and method of verification for this account. This account does not belong to me.

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 2023-02-16
Company: NAVY FEDERAL CREDIT UNION
State: VA
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/2021 I LEARNED OF A {$6700.00} CASH ADVANCE ON MY CREDIT CARD. I DID NOT DO THIS TRANSACTION BUT WAS TOLD AFTER THE INVESTIGATION I WAS RESPONSIBLE. SEE ATTACHED NAVY FEDERAL CREDIT UINON STATEMENT ... I QUESTIONED? WHY IS TRANSACTION DATE AND POSTED DATE DIFFERENT? NO EXPLANATION... WHY IS ONE OF REFERENCE NUMBERS ALL XXXX? NO EXPLANATION. PLEASE HELP ME. I AM DESPERATE. THANK YOU IN ADVANCE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: CCS Financial Services, 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: Account information incorrect

Complaint:
On XXXX XXXX 2023 I sent a dispute letter to CREDIT COLLECTION SERVICES, asking for them to show evidence of my signatures that I indeed owed them money and if not then immediately removed this debt. I have not heard anything from this company, so they have ignored my letter sent certified mail. 

Not only do I have aright to a fair and accurate report they have violated 15 USC 1681 Also violated 15 USC 6802 and 6801

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation