BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-18
Company: Sentry Recovery and Collections, Inc.
State: VT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company has re-aged the debt in an attempt to continue to collect the debt after the statute of limitations has passed. The debt was originally delinquent as of XXXX XXXX, and was incurred in Nevada which has a 7 year statute of limitations. This debt was slated to be removed from my credit report as of XXXX XXXX. In XXXX XXXX this company changed their internal account number for my account and changed the date of first delinquency to XXXX of XXXX, and now the debt is slated to be removed from my credit report in XXXX of XXXX, another 7 years. This is affecting both my XXXX and XXXX credit reports. I have filed disputes with both XXXX and XXXX, but when they confirm with the collection company, the collection company falsely represents the debt as current, and it has not been removed from my credit report. I have copies of old credit reports from XXXX  and XXXX which shows the correct date of delinquency. 

Please help me remove this from my credit report, and punish this company for their harmful illegal tactics.

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 2018-12-11
Company: EQUIFAX, 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'm escalating this concern because credit bureaus keep ignoring my request. They wont even tell me why they wont fix the account, I was never late on my payments. I send them on time..Reverse the late payments on my XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 of submitted my Identity theft paperwork from The FTC as Im am a victim, and the credit reporting Bureau refuse to remove accounts that are affecting my credit, and this act is greatly affecting my ability to get credit, I'm looking to do a refi on my house.

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 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: SUNRISE CREDIT SERVICES, INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I cancelled my monthly home security service monitoring in XX/XX/2017. The monthly bill was auto pay for {$59.00}. 
After cancellation, I kept getting bills from XXXX XXXX XXXX. I called them, explained that the service had been cancelled. The representative apologized for the issue and told me she researched the problem and was going to credit the bill and that I would not have any additional issues. 

I am still getting debt collection notices for the cancelled service, even after XXXX XXXX XXXX assured me the error was corrected. Please see attached.

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 2018-04-24
Company: The Receivable Management Services LLC
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Receivables Management has placed a collection on my report in the amount of {$440.00} for a medical debt which is not valid but also violates my HIPPA laws as I have never signed a contract with them or given them access to my medical records. I do not have any knowledge of this alleged debt nor have I ever received services from Receivables Management. I have disputed the validity of this debt as well as questioned if they are authorized to collect this alleged debt. This alleged debt that has never been validated has caused irreparable harm to my credit and credit score. I will be following up with more letters to the credit bureaus and to the company after seeking legal representation for violating HIPPA laws.

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 2018-12-11
Company: JPMORGAN CHASE & CO.
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: Problem with personal statement of dispute

Complaint:
Chase Bank stopped sending mail without authorization. No bills have been sent to me. No option for paper bills are available according to the chase representative. In turn, a payment that did not go through was missed. Chase claims to have sent an email to email on file. However, it was not received. No call was made, no attempt to collect payment. Additionally online account has had significant changes and issues the previous months. 
In short, even though the payment was made, the late charges where reversed by chase and admitting that there was an issue from their part. The credit report still reflects negative. Account shows the reversed late fee 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Experian Information Solutions Inc.
State: NC
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:
I recently attempted to dispute a bankruptcy showing on my credit file with Experian ... Experian responding saying item was verified as correct with XXXX county courts I then contacted the courts who stayed they have no records of said bankruptcy filing reference XXXX contains my name and that they had NOT verified or provided any information to Experian ... .I then reached out to Experian again and received credit report # XXXX dated XX/XX/2020 which now referenced the source of the bankruptcy as XXXX XXXX I contacted XXXX XXXX and received a copy of my file which still does NOT reference bankruptcy XXXX as Experian has listed I then filed a compliant with CFPB XXXX were Experian responded they would NOT take any actions as my disputed appeared to be from a third party. How can they say this when I provide a copy of my drivers license social security card and credit report showing the bankruptcy listed on it ... I believe Experian is violating my legal right to dispute invalid information and it is causing undue financial hardship for me .... I will be obtaining an attorney for legal assistance with this matter if no valid dispute is allowed on this item I am providing photo Government issued ID Proof of address, social security number and credit report as the previous response stated these items were needed although they were attached

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 2022-12-08
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Company is NOT registered to do business in the State of Michigan however they are, and have been flagging my account according to the above dates.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX XXXX ( Original Creditor : XXXX  ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
At the end of XX/XX/2017 I discovered that I had become a victim of identity theft and someone unknown to me had used my personal information to file a Bankruptcty I immediately contacted the credit bureaus and notified them of my findings and was instructed by them to file an FTC report which I did. I sent my disputes to the credit bureaus and XXXX removed the item immediately and XXXX and Transunion have done nothing. 30 days have passed and I sent my second request to XXXX and Transunion and 30 days have passed again and XXXX and Transunion has again done nothing which is why I decided to come here for help, please help 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 2021-05-03
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/2020 PayPal received a direct deposit form unemployment benefits and held it. They have held it for over the 180 days they said they would and still wont release it. While calling customer service I am on hold for 3 hours now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many items to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
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:
Eradicate every claim of the alleged yet unproven to be my responsibility or fault. Several attempts on disputing the accounts to no success, so I decided to file this complaint hoping you can help me out and delete the accounts which are not my responsibility namely XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX, and Chapter XXXX Bankruptcy Discharged XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Albert Corporation
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX my paycheck was deposited into my Albert bank account for {$3300.00}. On XX/XX/2023, in the morning, there was {$1000.00} in my account with {$20.00} in my savings. So {$1000.00} in my cash account. When I went to look again, there was - {$170.00} in my cash account and no record on how it was taken from my account. There are no transaction records for the money being taken. I have tried to reach out to Albert to get my money back and they kept giving me the run-around and were not helpful.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In my review of my credit report on XX/XX/2018 Portfolio recovery association is reporting a collection account number XXXX in an attempt to collect a debt. I have no knowledge of this account. XXXX XXXX is in violation of the fair credit reporting act FCRA, by reporting a collection account to the credit bureaus in an attempt to collect a debt without notifying the consumer. This has hurt my ability to obtain credit and has damage my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Between XX/XX/2018 and XX/XX/2018, an inquiry made by XXXX was added to your credit report. 

Between XX/XX/2018 and XX/XX/2018, an inquiry made by XXXX XXXX was added to your credit report. 

Between XX/XX/2018 and XX/XX/2018, your XXXX XXXX XXXX automotive account appears to have been closed. 

There should have not been anything allowed to be processed on my credit file because it was frozen and i have NEVER done business, nor heard of the first two companies listed. The third account was closed as Fraud but also listed as CLOSED which is incorrect, I  have called and disputed with Trandunion, as well as disputed online. Police reports have been filed, i filed an identity theft report with the FTC ( at their suggestion ) and also placed a fraud alert on my account, The security freeze was lifted, there is no fraud alert on my account ( The other two CRA 's did it the same day it was requested ) and whoever has access to my information is still being allowed to drag my score down,

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 2021-09-01
Company: EQUIFAX, 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 am writing to delete the following information attached to my file. The items I need expunged are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be removed to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-28
Company: Direct Recovery Services, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
On XX/XX/2019 I received a call from a distant relative stating that they had received a call asking if they knew me and if so to have me call a provided phone number. I was provided the number and I did call. 'XXXX ' answered " Hello '' with virtually no introduction or phone system making it sound legit. He stated " I'm happy you called back so quickly '' with a clearly smug tone. I asked what company he is with and was informed " Direct Recovery Services ''. A company I have NEVER heard of or had any communication ( written or verbal ) with. He then asked me to verify the last four of my SS # which I refused given current Identify Theft statistics. After I refused and asked what this is about he said " If you won't verify then I'll just continue my investigation '' then stated " Good luck ''. I took this as a very threatening conversation and I am very nervous about what he may do next. I don't know anything about this alleged company and the debt ( whatever it is ) may very well be valid however the threatening tone of the conversation and the fact that they contact my distant relative who I have and would NEVER list as a reference or guarantor has me greatly concerned and now I have a " Looking over my shoulder '' feeling. I submitted a complaint to XXXX but I also wanted to try here, too. I am strongly considering a Police Report however with me being XXXX  XXXX and dealing with all my Dr . Appointments I am not wanting to have to do that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt paid in full to original account holder on XX/XX/21, conf # XXXX. Original account holder agreed to remove the debt from my credit report after the payment was made in full. I have filed several disputes and the agency is refusing to honor the account holders agreement of removal after payment.

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 2020-07-13
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On the evening of XX/XX/XXXX, I purchased an item online using PayPal as means of payment. This is the first time I have ever used PayPal account. On XX/XX/XXXX, PayPal transferred {$39.00} from my bank account then immediately sent me an email stating there was unusual activity on my account and immediately locked me out of my PayPal account. All efforts to resolve the issue have been futile. My attempts to call PayPal regarding the problem have been futile. I have sent numerous emails to PayPal trying to resolve the issue and demanding a refund back to the same bank account they withdrew the money from. I keep getting messages about unusual activity on my account and to login to my account but it is impossible to login. I wrote to PayPal through regular mail on XX/XX/XXXX requesting a refund and for some one to contact me. PayPal has ignored my requests for a refund or any effort to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
Company: EQUIFAX, INC.
State: CT
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:
XX/XX/XXXX-XXXX hard inquiry XX/XX/XXXX-XXXX hard inquiry Both are on my report, having been told they will be there for 2 years when it wasn't me, I was a victim of idenity theft though no balance ever occured, no loss of funds were obsessed by me, therefore was told by my local police Department no report was required.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
There is a class action lawsuit against this company and this account should be deleted from my report.

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 2018-12-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
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 a loan with CARNGTN MTG. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CARNGTN MTG with no successful resolution. XXXX  and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XXXX - XXXX, XX/XX/XXXX / XXXX - XXXX, XXXX - XX/XX/XXXX, XXXX - XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation