BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-24
Company: Paypal Holdings, Inc
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:
The transaction was dated XX/XX/2021 it was a purchase that i made for a bag i bought thru XXXX  XXXX  since there was no purchase protection on it the seller wanted to use paypal since it has purchase protection. When i finally paid it online it finally paid it online it did not appear to be payment to friends and family which paypal says thats what i did! Two weeks later i got something in my mail it was a card from the seller that say thank you thats when i realized i got conned, i was mad i called the same day and reported it to paypal and filed a complaint that theres nothing they could do as they already gave the money to the seller same with XXXX the card that i used to pay on paypal they closed my case saying that paypal provided a tracking number proved that the seller sent an item which 3 months later i still haven't got anything except fir the thank you card. I need help getting my money back! Thank you in advance..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I PULLED MY CONSUMER REPORT AND SEE UNAUTHORIZED REPORTINGS OF ACCOUNTS ON MY REPORT. THE COMPANY IS IN VIOLATION OF : 15 USC 1681 ( a ) ( 4 ) 15 USC 1681 ( a ) ( 2 ) ( b ) 15 USC 1681 ( b ) ( a ) ( 2 ) 15 USC 1681 ( b ) ( 2 ) ( a ) 15 USC 1681 ( c ) ( 2 )

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 2020-02-25
Company: FIRST ADVANTAGE CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The company that is the problem is VitalChek. I'm trying to get the birth certificates for my sons. I ordered on XX/XX/XXXX - they were very quick to take the money. 

Company does not respond in person to telephone inquires but tells you " due to high call volume to callback later. '' The company has only canned respones to issues that rather than specific statements of what needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 recently asked credit bureau for investigation credit file and they claim it wasn't ever filed I have proof that I submitted certified mail I also got proof I sent numerous disputes for 2 month straight. I consulted a lawyer and this is my final step before i file a lawsuit.

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 2021-08-05
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My account was not working with Fed Loan Servicing so I reset my password and wrote it down and saved it to my phone. I paid off some if my loans and the payments have not been reflected on my credit report. I tried to log into my account to print out my documents and see if the payment updated, but my account will not log in again. 
Fedloan Servicing recently announced they are not renewing users ' accounts which is unfair to allow me access to my account and information. I did not and do not give them permission to send my information to the bureaus nor to another loan servicer since information can be transferred inaccurately and payments that I have paid may not be reflected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, 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:
have sent multiple requests for investigations into items on my credit reports that are reporting incorrectly. The bureau has not only ignored my requests, but they have refused to send me documentation on how they have verified information on my reports. 

I have sent letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. In the final letter on XX/XX/XXXX I explained that if they continued to ignore my requests I would be forced to file a complaint and have my attorney file a suit against them for infringing on my FCRA rights. 

The following items need to be removed immediately. I have allowed more than the time that is legally allowed to complete an investigation. I have also requested information from the furnisher on several occasions and my requests have been ignored. This is unacceptable. If these Items aren't removed immediately I will file a suit against the bureau. 


Creditor : Bankruptcy, Account : XXXX Reason : I have a certified letter from court stating they do not verify any accounts I have repeatedly requested for this account to be verified, I have recieved no proof. I have filed a complaint with the CFPB, you have still refused to send me proof of you verification and validation, I plan to file a legal suit against you if this is not removed immediately. 

Creditor : XXXX/XXXX, Account : XXXX Reason : I have repeatedly requested for this account to be verified, I have recieved no proof. I have filed a complaint with the CFPB, you have still refused to send me proof of you verification and validation, I plan to file a legal suit against you if this is not removed immediately. 

Creditor : XXXX/XXXX, Account : XXXX Reason : I have repeatedly requested for this account to be verified, I have recieved no proof. I have filed a complaint with the CFPB, you have still refused to send me proof of you verification and validation, I plan to file a legal suit against you if this is not removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Asset Management Outsourcing, Inc.
State: MA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I owed and paid my medical bill of {$210.00} on XX/XX/2020 to my doctor, XXXX XXXX XXXX formerly XXXX  XXXX  ). On XXXX XXXX XXXX XXXX services notified me by mail that I owed this same amount and it was originated from XXXX XXXX. I supplied by mail my proof of payment 1 ) my credit card receipt with transaction number details. Now yesterday XXXX XXXX I receive a notice from another collection agency ; Nationwide recovery service that I still owe this debt. The Forwarding agency is XXXX XXXX and Nationwide recovery received this claim on XXXX. 
I am XXXX and tried patiently to speak with a representative on the phone to provide my proof of payment details. They insisted I paid the wrong Doctor but I told them the name of the practice changed hands and it is the same debt that I paid on XX/XX/2020. 
I am mailing them my credit card receipt along with my credit card statement detailing this bill was paid - BUT I have no faith this company or the prior debt collector will follow through and investigate that I did in fact pay my bill. Both companies need to communicate with each other and the original collector XXXX my doctors practice ) that in fact I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: EQUIFAX, INC.
State: MS
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:
On XX/XX/2020 I emailed XXXX XXXX XXXX and his business XXXX XXXX a check in the amount of {$45000.00}. The funds were a loan issued in the form of a check by XXXX XXXX XXXX XXXX. I was referred to do business with XXXX XXXX and his estabishment by an associate of myself, XXXX XXXX. I verified that XXXX XXXX 's business, XXXX XXXX XXXX 's was a legitimate dealership. This check was to be completed by XXXX XXXX were he would contact XXXX XXXX XXXX XXXX to obtain Verification Number which they would only release to a verified dealership ; also during XXXX XXXX contacting the dealership he would release to XXXX  the vehicle VIN and description. During communicating with XXXX XXXX several times regarding return of funds for not rendering services that he and I agreed upon I had no choice but to proceed with reporting XXXX XXXX and his business for fraudulently misappropriation of funds in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: EQUIFAX, INC.
State: NM
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 continues to show my account as delinquent on my big 3 credit reports even though I have provided evidence that the original account was due to identity theft/fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-21
Company: CITIBANK, N.A.
State: VA
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:
This letter is regarding account # XXXX, which you claim my account was late 3 times. My Citi CREDIT CARD account was NEVER LATE and the status should be CURRENT. It is reporting incorrectly on 2 Credit Bureaus ( XXXX  and XXXX ) and not reporting at all on XXXX. This account should not have ANY late payments AT ALL. I am in the United States XXXX and this account is affecting my ability to secure a Mortgage and could potentially mess with my XXXX XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. My reason for disputing is : my contract was current. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and XXXX  ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the Fair Debt Collection Practices Act ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) You will be required to appear in a court venue local to me, in order to formally defend yourself. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. -- Very Respectfully, 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 2021-08-05
Company: Experian Information Solutions Inc.
State: MI
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:
The credit bureaus refuse to remove the following derogatory remarks after they have been unsuccessful at verifying any of the below. They defy all of the Credit Reporting laws and continue to defame my character as they have experienced data breaches which have compromised my privacy and security. I have just about had it with all that's going on with these bureaus and was advised to reach out to you all prior to litigation. Furthermore the newer law regarding credit laws, The Comprehensive Credit Act of 2020 section 401 specifically states that no items on my credit report for which no agreement / contract has been provided should at all show up on my credit report. However, the bureaus refuse to do anything regarding complying with these laws as well. I've had it and was advised to reach out to you all prior to litigation. 

XXXX  unauthorized Inquiries : XXXX/XXXX, XXXX/XXXX XXXX, XXXX/XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX : Breaks Hippa laws, not mine, no contract, ( ILLEGAL DATA ) falsely reporting about me : XXXX XXXX {$170.00}. I've never entered into agreement with these folks, who are they? Is the data breach what caused this issue? 

Experian, unauthorized Inquiries : XXXX/XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX. There are late payments also reporting for which I've required proof to be shown to me as I do not have on my end anywhere that I paid late for two accounts listed as XXXX XXXX XXXX whether the account was either opened or closed. I had been adamant about providing on time payments. This is a violation of my character which defames 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 non-monetary relief
Consumer complaint received 2021-03-24
Company: Paypal Holdings, Inc
State: MS
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 purchased an item I thought to be a legitimate merchandise from a XXXX " advertisement '', I paid it through my paypal account on XX/XX/2021. The item had never been delivered, as of todays date, XX/XX/2021. So on XX/XX/2021 I requested that Paypal dispute the charge and to credit the amount back to the source of payment, but Paypal has not resolved the dispute as of todays date. Whenever I go to the paypal resolution center, it says that it has moved the time for the resolution up 5 more days. IT has done that three times since XX/XX/2021. IT was suppose to be originally resolved by XX/XX/2021 but there has been no movement. The company XXXX XXXX XXXX XXXX, issued " fake '' tracking number, so as to not be able to track the paid merchandise, thus I believe it is a scam. IT was a split payment from two credit cards, through paypal. See Attachments of receipts/copy of disputes, invoices, etc.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
capital one na on XX/XX/2021 text me with confirming venture card will arrive XX/XX/XXXX. I had security freezes and a fraud alert on all 3 bureaus and management on phone fraud Id theft verified they were blocked retrieving from XXXX, which verified admitting the ID theft fraud freeze filed with ftc and XXXX NJ pd affirming fraud existed. They have not removed any information on cra 's such as inquires and zero investigation information they required has been processed since XX/XX/XXXX immediately calling after 4 days since their reports of inquiries. No contact has been received yet fcra in at least 3 sections according to XXXX XXXX XXXX XXXX XXXX provided to represent which is investigating practices. This was fraud and need information on cras updated

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-24
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
They do not have my correct social security number, but are using my name and address to validate accuracy. The company that they are representing is XXXX XXXX, in which I did have an account previously see below, but is is paid and closed. They account they have had a credit limit over {$5000.00}, which I never had the luxury of ever having. This account has never reported on my credit file either.. This account is fraud. 

Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit - {$300.00} Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Credit Card - Revolving Terms Balance on XX/XX/XXXX Credit Limit - {$300.00} Payment Info Status Paid satisfactorily Status date XX/XX/XXXX Past due amount - Highest balance $ XXXX  Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX NA - - - XXXX XXXX - XXXX - - - - - - - - On Time NA No Applicable Payment History - Data Unavailable Additional info Responsibility Individual Terms Revolving Company sold - Original creditor - Comments Account previously in dispute now resolved reported by subscriber Your statements -

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Franklin Collection Service, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
XXXX XXXX on XX/XX/2020 XXXX XXXX on XX/XX/2020 Franklin Collection Service was rude on the phone when asked for company name, phone number, and address. Had to call back 4 times to get the information. The company tried to defend their actions stating their local time is passed XXXX XXXX. I explained to them that if they have my account information, then they should have my address information showing that I live in Colorado. Even after I expressed my disapproval of calling before legal hours, they called again the next day before XXXX XXXX again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Resurgent Capital Services L.P.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX they also go by Resurgent Capital Services LP. I have settled amount and they my company is still sending them a payments from an old judgement they sent another old judgement signed by the judge a long time ago after it was alrey paid. This business needs to be shutdown because they have done this to a lot of different people after I searched their name on XXXX. The same thing is happening and they are calling me and they just started calling me again threatening me that I am going to lose everything I got if I dont paid this and I will lose my job because they are going to call them and tell them that I am a bad employee because I dont pay my bills and I am in the financial field. Please do whatever it takes to put this company out of business

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Fraud Department XXXX XXXX XXXX I am writing to dispute the following information that your company provided to credit bureaus. 

This item credit inquiries on credit reports is fraudulent, on XX/XX/XXXX because my identity was stolen and i did not authorize my credit to be ran. I am requesting that XXXX XXXX XXXX and have the inquiries ( s ) removed. 

Enclosed are copies of the identity theft police report supporting my position. Please re investigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed item [ s ] as soon as possible. 

Sincerely, XXXX XXXX Enclosures : Police Report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Chase Bank keeps calling with repeated offers to lower my credit card rate, i have asked repeatedly to be removed from their list!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-23
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

Company response to consumer: Closed with explanation