BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I keep disputing a debt collection listed on my Equifax report. It shows that XXXX XXXX XXXX collection for as of today {$24000.00}. However this was put into a bankruptcy, that included an adversarial hearing which included XXXX. This account should be listed as included in bankruptcy and not a collection account. XXXX and XXXX both removed this account from my credit report. The only one that will not is Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
1. This company is calling me up to 13 times per day using a variety of different numbers from all over the country that come through on the Caller ID. If you send the call to voice mail, many times they will call immediately back. 

2. This debt is being reported twice on my credit report. The original creditor is reporting it and Portfolio Recovery is also reporting the same debt. This makes me look like I owe more than what I do and that I have two, instead of one, accounts in default. This is unfairly further damaging my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-06
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: Information belongs to someone else

Complaint:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed 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 2022-10-25
Company: Block, Inc.
State: NY
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:
I saw that I had a {$100.00} dollars in my account so I decided to do some online shopping with XXXX. I spent the {$100.00} dollars some how that threw me into overdraft? I first questioned them on that issue they said I did not have a {$100.00} and what I ordered was that amount. Okay that is fine!, But then the items I purchased were canceled by Cash App? XXXX XXXX  and threw XXXX because they didn't receive money for items I thought I paid for. My account is still over drafted even after everything was cancelled. I took screen shots of my feed with the app before I spoke with them. When I reached out after that I did not hear anything other than we are looking into it. Next thing I had noticed is the feed on my cash app is changing but I have everything I have to have anyway that is what the pictures were for because when you bring something up that is a issue with them they don't answer you for hours there is no number to call. I have tried for a whole month to receive my money. I am on a fixed income I do not have money to just throw around. I have been ignored lied to and its simple math. I need my money back its been a month already I cant wait any more I have a XXXX dollars in stocks in the account I cant use that money because they will take it for there over draft that does not exist. Please help I am so frustrated and broke. I also asked for transaction ID 's and have been denied these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: CREDIT WORLD SERVICES, INC.
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
From XXXX until now XXXX XXXX XXXX university trying to cost me money that I dont have to pay, which is trying to cost me money for the XXXX  XXXX  insurance, the amount is XXXX dollar, the educational institution ( XXXX XXXX University ) claiming that I do have to repay the amount which is XXXX dollar, I was not at school at that time in Fall XXXX, so how the university trying to make me pay an amount that I did not receive any product from them at all! So the situation getting escalating, the XXXX XXXX University hired the collection agency ( Credit World Services , Inc ) XXXX XXXX Collection Specialist XXXX XXXX to pay almost XXXX dollar, I told to the collection agency I dont owe the university money! The collection agency ( Credit World Services, Inc ) keeping calling me in my phone many times! I am exhausted and trying to explain them many times!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
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 found out I was a victim of identity theft XXXX/XXXX/2020. I contacted the institutions with fraudulent accounts, and the credit bureaus that day. Most have been resolved except HSBC. They told me on XX/XX/XXXX20 that the accounts were closed, but they are still reporting to the credit bureaus that they are open with ever increasing balances. I have call several times, I have provided copies of police reports, the FTC report, etc., but they are dragging this out forever.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Penn Credit Corporation
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX I sent a dispute letter to Penn Credit Corp in regards to innacurate information they were reporting on my credit report and demanded the four accounts be removed if they are unable to verify these accounts. 609 ( a ) ( 1 ) ( A ) the original creditor XXXX XXXX XXXX, and the collection agency Penn Credit Corp are required by federal law to verify through the physical verification of the original signed consumer contract. Under this section unverified accounts must be removed and neither party has provided me this physical proof, but still has ability and or authority to report these accounts. I will be filing a police report with the local police department regarding the fraudulent accounts being reported. I have also spoken with a customer service rep from XXXX XXXX XXXX the original creditor, on XX/XX/XXXX, I explained to the agent that these accounts were not setup by me and your reporting is inaccurate and fraudulent ultimately the representative was happy to file a fraud case on behalf of these two accounts and the representative explained anyone can call to setup a service account all a fraudster would need is a name and a social security number she informed me that I would also need to file a police report ( which costs money ) so I will be filing four of them tomorrow. The collection agency Penn Credit Corp is also being sued by me at this time for violating debt collecting laws. They have sent me threatening letters on two occasions afterwards I sent these letters to my attorney whom filed judgement under these unprofessional violations. I have written them back disputing the validation of this debt they just continue to send copies of bills and because through some system consumers are not suppose to know about, these collection agencies can certify validation through some miscellaneous means and the Credit Bureaus are just as corrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-13
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the last several years I have been late on my mortgage payment. Every month I faithfully paid a {$28.00} late charge. This was accessed as the payment was over 15 days late, which I paid.

I recently brought the loan current, however, the late charge was continued because WF claims it is now accessed from the first day of the month in which the payment was due.

The Financial Note ( Page 2 ) clearly states the late charge is accessed 15 days from the first of the month the payment is due. This is a financial contract, corner stone of the mortgage and can not be changed.

Please answer, why even bring the loan current?

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 2020-05-06
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: Information belongs to someone else

Complaint:
I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible! 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed 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 2019-08-22
Company: Square Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I used cash app to sell my camera, the funds never showed. Cash app then demanded more money. I still have not received any fund due for the sale of the camera

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
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: Their investigation did not fix an error on your report

Complaint:
I have been disputing these erroneous accounts from my Credit Report for already a long time. The last letter I sent to the Credit Bureaus was XX/XX/XXXX requesting that the Credit Bureaus provide proof of validation and update or correct the information each disputed account presents. But despite all the letters and complaints I submitted, it is clear that the XXXX XXXX have grew negligent of ignorant of my requests. I am submitting this complaint today to request another investigation and correct the payment history of the disputed accounts on my Credit report. The Credit Bureaus are required to verify the information each account reports and correct from erronoeus reporting. If the XXXX XXXX can not prove that the information they present on my Credit File is accurate, I would highly appreciate it if they remove the account completely grom my Credit file : XXXX XXXXS XXXX Balance Owed : {$1000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Balance Owed : {$1600.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have contacted Portfolio Recovery Associates ( PRA ) including but not limited to the following dates and reasons for complaint regarding a negative account they report to the credit bureaus : XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, Re-aging an account, XX/XX/XXXX change in balance of account, XX/XX/XXXX reporting inaccuracies, XX/XX/XXXX changes to Date of 1st Delinquency, XX/XX/XXXX - Request additional information, XX/XX/XXXX request for validation of debt. They have violated FDCPA more times than I can count. Their communications state, " debt too old to sue '' yet the dates they show as support are inconsistent. They have removed and added this account from reporting to my credit file. They have changed the amount owed several times. Each time I submit a written request, regardless of the nature of the complaint, I receive the same response- a partial copy of a statement. 

Additionally, each time I have disputed with PRA, I have also disputed this account with each of the Credit Reporting Agencies ( CRA 's ), XXXX, XXXX, and XXXX. Again, I receive the same response from the CRA 's that the " account has been verified '' by PRA along with an " account information has been updated '' statement from the CRA. Every time I dispute an inaccuracy, my FICO score takes a nose dive as PRA " updates '' WRONG information. It is my belief, based on their behavior, that they knowingly and purposefully report false or inaccurate information to the credit bureaus. 

When I disputed inaccuracies in XX/XX/XXXX I received notice from the credit bureaus that they would no longer look into my complaints against PRA since the account has been " verified ''. How can an account be verified yet, each time I dispute something, the details of the account reporting change? In XX/XX/XXXX I sent notice to all 3 credit bureaus that I demanded a re-investigation into PRA 's inaccurate and false reporting on my credit reports. Upon re-investigation, guess what? The same deal, account has been " updated '' as a result of my investigation request. Each time I challenge false information, PRA " updates '' with new false information. This time they sent me a 2 line synopsis of an account showing I have a balance of {$1000.00}. YET, the " updated '' information sent to my credit bureau files shows an account balance of {$7800.00} as of XX/XX/XXXX and a last payment date of XX/XX/XXXX!  Another direct purposeful, false, inaccurate data provided from PRA. 

These ongoing direct and serious violations of the FDCPA have created a significant negative impact on my ability to obtain fair credit. As a result I have been burdened with adverse and costly credit terms or complete denial of credit for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: TN
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:
A fraudulent account is reporting on my credit file that is not mine and I have NO knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened this card to get 2 free weekend nights. I made the necessary spenditures on the card but never received my free weekend nights at 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 2018-03-22
Company: U.S. Collections West, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2012, a collection was opened with US COLLECTIONS WEST IN. I got a derogatory mark on my XXXX credit report stating that this account got sent to collections. However, I was never notified about this debt and never received the bill. I would like to address this immediately and have this negative remark removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-14
Company: Experian Information Solutions Inc.
State: AL
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 each credit agency with regards to the XXXX account. I have informed them that this account does not belong to me. However, they continue to report this account on my credit file. Please assist me in getting this matter resolved. 

Incorrect Personal Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are several inquiries that are reporting that does not belong to me : 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 AXXXX 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  CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/AXXXX 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 2020-05-06
Company: Experian Information Solutions Inc.
State: KY
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 hired an attorney and paid him fully. He told XXXX XXXX XXXX  XXXX I owed {$500.00}. The amount being reported now claims I owe {$580.00}. The attorney retired shortly after finishing my legal work. I have denied owing this money and requested documentation showing I owe this money. Experian Asked XXXX if I owed this money. XXXX claimed I did but could not provide any documentation justifying I owe this money. XXXX says I owe this, I deny it, and Experian Takes their word I owe this when I do not. Experian refuses to remove the collection from my credit report. 

Report Number : XXXX Date Generated : XX/XX/XXXX Account NameXXXX XXXX XXXX  XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$580.00} past due as of XX/XX/XXXX. 
Status XX/XX/XXXX Balance {$580.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I want Sallie Mae to stop calling me ; their amount of telephone calls are illegal and harassing. I blocked the phone number, but calls still relays onto my voicemail. 

Im also a victim of cyber extortion, blackmail, and randsomware online, who stolen my identification online. Perhaps, the debt collection agency or Sallie Mae has stolen my most personal and private information to use tactics of randomware to exploit me online.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: JPMORGAN CHASE & CO.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
My car was paid off on XX/XX/XXXX. To date, I have NOT received the original title or the refund check of {$39.00}. I contacted Chase by phone on XX/XX/XXXX. Chase assured me that I would receive in the mail, a re-release letter by XX/XX/XXXX. The refund check would follow shortly.

OnXX/XX/XXXX, I had to contact Chase AGAIN and make a SECOND request to re-issue the documents in order to obtain an original title. Chase now says that the necessary paperwork should be completed byXX/XX/XXXX and I should receive it by mail. 

It has been OVER two months since the car was paid off and I still do not have an original title to the vehicle. 

Please advise.

Company response to consumer: Closed with explanation